FlexPay is a digital credit account which lets you buy now and spread the cost of your purchases.
An instalment plan is always available in your account when you are spending above £100; or you can pay using your flexible credit - all your purchases are consolidated into one monthly payment.
Flexible and easy
FlexPay offers a reusable credit limit.
Use your credit limit to buy what you want and spread the cost for your convenience.
Available only at our participating retailers.
Manage your payments
Pay using the monthly instalment plans available for purchases above £100, at rates as low as 0%* or use your flexible credit at the standard rate.
Pay for all your plans and purchases with one easy monthly payment.
*Offers may be subject to basket sizes and durations determined by the retailers.
Simple to keep track
Download the FlexPay app when you've got your FlexPay account.
Your instalment plans, statement balance and payments are at your fingertips.
Available only at our participating retailers.
Credit available only to UK residents aged 18 and over. Subject to status. Terms apply.
Representative example
23.90% APR
Representative (variable)
23.9% PA
Standard rate (variable)
£1,200
Assumed credit limit
Your standard interest rate will apply to the balance in your credit account which is not in an instalment plan.
Instalment plans will remain at the rate they are offered unless you cancel a plan or miss a payment, then your standard interest rate will apply instead.
Why Choose FlexPay
Manage your money better
A big purchase can have an impact on your finances.
FlexPay helps you to buy now and spread the cost over 3 to 48 months.
Stay in control
With one monthly payment for all your purchases, you can easily track what you need to pay and what is affordable for you. Making payments on time helps protect your financial health and your credit score.
Responsible and transparent credit
Our affordability checks help our customers get credit they can afford.
Trust and protection
FlexPay is offered by Black Horse, a trusted provider of financial services in the UK for more than 20 years.
Learn more about Black Horse FlexPay