Pay in 3 with Take 3 3 payments, 3 months, pay no interest. Just click the 'My Details' tab, and then into 'My APR'. Remember, your interest rate information is in 'My Account'. Pay this way you will be charged interest, and it will take you longer to pay off your balance. The minimum payment is detailed on your statement.
If you have a non-Buy Now Pay Later balance on your credit account, you will still need to make at least your minimum payment as shown on your statement. Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Very account. Buy Now Pay Later availability is subject to your credit and account status.ĭo I still have to pay my minimum payment? The costs for delivery and installation services cannot be placed on Buy Now Pay Later.
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If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest. This will be included within your account minimum payment request every month and cannot be repaid using Take 3.
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Any outstanding balance plus the interest will now become payable on your account.Īs the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your Very account. What happens after the delayed payment period? To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific Buy Now Pay Later you wish to pay off. How do I make a Buy Now Pay Later payment? Remember if you choose not to pay the cash price before the end of the delayed payment period, any outstanding balance plus a lump sum of compound interest will be charged to your credit account. Making partial payments without clearing the cash price in full will reduce the lump sum of compound interest charged at the end of the delayed payment period.
You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. This means you will pay interest on interest. The interest will be added to your account as a lump sum at the end of the delayed payment period. Interest is calculated from date of order and compounded daily. The delayed payment period and minimum order values to qualify for Buy Now Pay Later are subject to offer, and will be detailed in checkout.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).īuy Now Pay Later for 6 months when you spend £ or more.īuy Now Pay Later for 9 months when you spend £ or more.īuy Now Pay Later for 12 months when you spend £ or more.
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Ralph Lauren reserves the right to end or modify any free shipping offers at any time.Buy Now Pay Later is an interest-bearing option available with Very Pay that allows you to delay payments on your purchases for up to 12 months depending on how much you spend. This offer is not applicable to purchases being shipped internationally. Any philanthropic donations added at checkout do not count toward the minimum purchase amount. Regular charges will apply to all other shipping methods. Orders containing fragrances, rugs, or lighting and orders greater than 30 units are not eligible for Fast shipping. Your estimated delivery date will be provided at checkout. Orders typically arrive within five business days if placed by 3 PM ET (11 AM ET for orders containing customized items). The free Fast shipping offer is automatically applied at checkout when Fast shipping is selected after signing in to your account on or on The Ralph Lauren App. See our returns policy for details and exclusions. Enjoy free returns within 30 days of the order ship date. Enjoy free Fast shipping on orders made using a account.
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