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\*12 months interest-free starts from the date of your credit agreement. Offer available when you open a new pay | simply be. account from 20/06/2025. You’ll pay no interest on purchases made with your new account, during the first 12 months from the date your account is opened. Minimum payments are required on each statement throughout the interest-free period.

After your 12 month interest free offer ends your account will revert to your standard variable APR. To avoid interest you’ll need to pay your full balance by the due date shown on the statement you receive before your interest-free period ends. On each statement, please pay at least the minimum payment. Your statement will show the date this needs to reach us. If your payment is late, your interest-free offer will end early, and your account will revert to your standard variable APR.

Credit is subject to status. Statements are issued on a 28 day-cycle.

Shop now with 12 months interest free*

Nothing to pay at checkout

Flex your budget, pay now or later

Try before you buy with free and easy returns

Why open a Pay Simply Be account?

Representative 44.9% APR variable

Shop now, pay later\
\+ zero interest for 12 months

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If you pay less than your full statement balance by the date on your latest statement, you will pay interest on the balance left over.

Credit is subject to account status. Statements are issued on a 28-day cycle.

Pay nothing upfront

Get more time to pay and spread the cost

Remember with your pay | simply be account you can…

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