Black Horse FlexPay

FlexPay is a digital credit account which lets you buy now and spread the cost of your purchases.

It comes with a reusable credit limit which you can use to pay for your purchases – you could do that by using any instalment plan on offer in your account or by simply paying with your flexible credit.

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 minimum 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 is subject to status. Conditions apply. Black Horse is a trading style of MBNA Limited, who is the lender.

Representative example

23.90% APR

Representative (variable)

23.9% PA

Standard rate (variable)

£1,200

Assumed credit limit

The APR, credit limit and any promotions that you’re offered will depend on the assessment of your application.
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.

Applying for FlexPay

Who can apply for FlexPay?
If you’re applying for FlexPay, you need to be over 18, a UK resident and have a valid bank account, mobile number and email address. We will need to do online credit checks and verify your identity to ensure that FlexPay is affordable for you and your financial circumstances.

How to apply
You can apply at any online retailer offering FlexPay on their website – Just select ‘Pay with FlexPay’ on their checkout page to start your application.