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WHAT YOU NEED TO KNOW ABOUT STUDIO PAY CREDIT ACCOUNT SHOPPING

REPRESENTATIVE 39.9% APR VARIABLE. CREDIT SUBJECT TO STATUS. OVER 18'S ONLY

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FLEXIBLE WAYS TO PAY

Studio Pay is the easy, flexible way to shop with us. It makes it possible for you to get what you need, with more time to pay.

You can pay the minimum amount on your monthly balance, pay the full amount or somewhere in between – the choice is yours. It's always best to pay off as much as you can afford, and when you pay your balance in full there's no interest.

SHOP HOW IT SUITS YOU

Studio Pay lets you spread the cost of your bigger buys, get what you need without waiting for pay day, and stay on top of all your spending, too.

You can review your statements, make payments and check your orders anywhere, anytime, via our app or website – so you're always in control.

DISCOVER ALL THE PERKS OF STUDIO PAY

Spot it. Shop it. Pay for it later.

A Studio Pay Credit Account lets you get what you need with more time to pay.

Spread the cost when you need to

Turn your bigger buys into smaller, more manageable monthly payments – to give yourself more time to pay.

Pay in full or pay monthly

When your statement comes you can pay the balance in full or pay less, as long as you meet the minimum payment – it's your choice.

More brands for you to shop online

You can use your Studio Pay account to shop at Sports Direct, House of Fraser, Flannels and more.​

Stay on top of your spending via the app

Keep track of everything you buy and know what you need to pay when, via our app.

Click to shop with one touch

Studio Pay lets you check out faster. Just click to put it on your account.

HOW TO APPLY

Simply select Studio Pay Credit Account at the checkout when placing your first order.

You just need to enter a few details, then we'll run a search with credit reference agencies and give you a decision in minutes. This may affect your ability to obtain credit in the future.

Once we've sent your order, we'll send you a statement showing all the information about your account, like your credit limit, purchases and payments.

Things you need to know about Studio Pay​

  • You must make a minimum monthly payment. If you miss a monthly payment you’ll be charged a default sum and it may affect your credit score.​

  • If you pay less than the full outstanding balance on your monthly statement by the due date you will be charged interest on the balance remaining. ​

  • If you only pay the minimum payment each month it will take you longer to pay off what you owe and you will pay more in interest. ​

  • Making your monthly payment earlier in the month will mean that you pay less interest on your balance remaining on next month’s statement. ​

Studio Pay Frequently Asked Questions (FAQs)

Yes, it's easy to spread the cost at Studio with a Studio Pay Credit Account.

You don't need to make a payment when you order, you simply wait for your statement. Once it arrives you can either pay in full or spread the cost and pay monthly to give yourself a bit more time.

Remember, you must pay the minimum payment each month, and it's always best to pay off as much as you can afford. If you pay off your balance in full, on time, you pay no interest.

STUDIO PAY, SHOPPING WITH CREDIT

Want to enjoy the financial flexibility of a Studio Pay Credit Account when shopping with us? Explore the range of products available in our pay monthly options, below.

Home shopping on credit

Whether you’re looking to add an entire sofa suite to your living room, or you want to upgrade your washing machine, you can buy home products on finance with Studio Pay credit account shopping.

Go room by room, adding the essential furniture you need to outfit your home. Maybe you’ve been eyeing up a new desk and chair for your home office? Or perhaps you’d like to prioritise the dining room, purchasing a dining set that gives everyone more room at meal times?

No matter what homeware you need, our pay monthly options makes your purchases more manageable.

Garden shopping on credit

For those wanting to get ready for a summer of sun, our shopping with credit options let's you better manage the cost of garden essentials.

It could be that your garden furniture needs a bit of a refresh, transforming your patio into an attractive al fresco area. Alternatively, you might want to invest in a garden shed to better organise the tools and toys that would otherwise clutter your backyard. We also offer garden tools, such as lawnmowers, in our pay monthly option.

Electricals shopping on credit

Our shopping with credit also extends to electricals, meaning you can upgrade your television, or finally invest in your favourite state-of-the-art cooker oven, without needing to pay an upfront lump sum.

Want to play the latest video game releases? Browse our deals on PS5, Xbox, and Nintendo Switch consoles to see how you can take advantage of Studio Pay credit account shopping.

MONEY WORRIES?

If you're struggling to afford your monthly payments, we're here to help. Get in touch as soon as you can, and we can work out a plan to get you back on track.

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Terms and conditions apply. Credit subject to status. Over 18’s only. Representative APR 39.9% (variable) Missed payments may affect your credit score.