Buy Now Pay Later in Ireland
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BNPL are alternatives to traditional loans and credit cards. BNPL usually allows you to purchase an item and pay it off over an agreed number of monthly installments.
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Who offers Buy Now Pay Later in Ireland?
A few traditional retailers like Littlewoods and Argos have been offering them here for years. Flexi-Fi is the first large-scale provider with over 800 retailers including Woodies DIY, Samsung and Harvey Norman offering BNPL powered by Flexi-Fi.
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Flexi-Fi’s plan types differs by merchant. Typically lower purchases attract no fees or interest with fees added on higher purchases. Some merchants offer a number of options for example Harvey Norman offer:
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​No interest ever on purchases up to €499.99: pay 20% upfront and the remainder in fortnightly payments over 8 weeks. No fees or interest.
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Low interest on purchases between €500 and €999.99 with €43.68 in fees and interest over 12 months. In total it would cost you 4.4% more than buying upfront.
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Two options were you can spread payments out over 2 or 3 years. Based on Harvey Norman’s website, once interest and fees are added, these options add between 5.5% - 8% to the upfront price.
These require credit approval, so read the terms before applying!
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The following is a list of stores where ​you can Buy Now Pay Later with Flexi-Fi:
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Click on a category to see retailer offers from that category:
Electronic Discounts
Fashion
Discounts
Homeware & Furniture offers