Click here to use our website with more accessibility support, for example screen readers

NextSteps

 Spread the cost of every order in 3, pay over 3 months, interest free.^

Making it easy to have what you want within your monthly budget.


Benefits:

benefits

Quick to apply, next3step is then always available and automatically applied every time you shop. All you need to do is pay your 3Step Payment calculated for you on your monthly statement, in full and on time, every month, and you will pay no interest.


If you prefer you can always pay less at any time, even the minimum payment and interest will be charged at your Standard Rate.^

2

This example assumes no further purchases are made during the period shown. For illustrative purposes only. You can choose to pay more or less than the 3Step Payment, but you must pay at least the minimum payment.


Representative example: assumed credit limit £450, interest rate 29.9% annual variable. Representative 29.9% APR variable.

seperator

Plus spend £15 or more, get £10 off your first online credit order.‡

video

Representative example: assumed credit limit £450, interest rate 29.9% annual variable. Representative 29.9% APR variable.

With a next3step credit account, you can split the cost of your purchases into 3 instalments and pay no interest, as long as you pay the full 3Step Payment every month on time. If you don’t make the full 3Step Payment on time in any month, you’ll be charged interest on your account balance at the Standard Rate.

You can apply for a next3step account without having to shop first or you can shop first and apply for a next3step account at checkout.

Once you’ve successfully created a next3step account, you can add any purchases to your next3step account at any time and spread the cost over 3 months, interest free.

Absolutely! The total value of your purchases is subject to your credit limit. We’ll tell you what your credit limit is when you open your account, and advise you if the limit changes in future.

Good news, you can take advantage of next3step and split your purchases in 3 every single time you shop! There’s no set amount of times you can use it either. If your order value ever exceeds your credit limit, you can pay the difference with your credit or debit card at the time you place the order.

You’ll need to pay all 3Step Payments on each consecutive statement in full by the payment due dates to pay no interest.

If you don’t make the full 3Step Payment on time in any month, you’ll be charged interest on your account balance at the Standard Rate.

If you wish to pay less you can, just pay the Minimum Payment, and you'll be charged interest on the remaining balance.

You must pay at least the Minimum Payment on each statement you receive in full by the due date. If you don’t make the Minimum Payment in full or on time your account will be in arrears, which can affect your credit score. If you miss two Minimum Payments, you’ll be asked to pay a late payment fee of £7.50.

If you only make the Minimum Payment each month it will take longer and cost more to repay your balance.

The cost of each purchase will be split over the next 3 statements and we will let you know when your payments are due every month in your statements. Your payment due date will be around the same date every month.

We’ll tell you what your credit limit is when you open your next3step account, and advise you if the limit changes in future. The total value of items you can purchase will be subject to your personal credit limit.

No, you can add any purchase value to your next3step account.

If you don’t make the full 3Step Payment on time in any month, you’ll be charged interest on your account balance at the Standard Rate.

If you don’t make the Minimum Payment in full or on time your account will be in arrears, which can affect your credit score. If you miss two Minimum Payments, you’ll be asked to pay a late payment fee of £7.50.

If you experience difficulty making payments, you can call us on 0333 777 8174, opening hours are Monday to Sunday 8am to 11pm.

No, a new credit application will be required for either account, and your current credit account will have to be closed ahead of the new credit application.

 ^next3step Terms & Conditions


 Credit subject to status. UK residents aged 18 and over. See our terms and conditions for more information (or call 0333 777   8733. For call charges contact your service provider).


 next3step is an open-ended credit account – it has no fixed term. You can purchase goods from Next, up to the credit limit set   for you and try before you pay. You will receive regular statements showing details of your purchases and your payment options.


 Each time you purchase an item using your next3step account, you will have the option to pay in 3 monthly instalments and   pay no interest on that item. To avoid paying interest you must pay the full 3Step Payment shown on each consecutive statement on time.


 If you do not make the full 3Step Payment in any month on time, the whole balance will become chargeable to the Standard Rate of Interest at 29.9% per annum variable (the Standard Rate). You will be given the option to pay for subsequent purchases in 3 instalments. Once a balance moves to the standard rate it cannot move back.  


 You can choose to pay more or less than the 3Step Payment in any month, but you must pay at least the Minimum Payment.   If you do not make at least the Minimum Payment by the due date, your account will be in arrears, which will affect your   credit  rating. If you only make the Minimum Payment each month it will take longer and cost more to repay your balance.


 If you pay more than the 3Step Payment in any month, you can still avoid interest, provided the full value of applicable items is repaid over a maximum of 3 months and each consecutive 3Step Payment is paid in full.


 No interest is charged in any month where the balance from the previous statement is repaid in full by the due date. This includes any balance to which the Standard Rate or any other rate of interest applies.


 ^^The credit limit may be lower than your order value. You will be asked to pay for any excess at the time of your order.


 ‡£10 off your first online credit order only. Minimum order value £15 after other discounts have been applied, excludes delivery and nextunlimited subscriptions. Gift Cards and eGift Cards cannot be used in conjunction with this offer. Returned items refunded at the discounted price paid.  This offer is only available to new customers opening a next3step account online and may be withdrawn at any time.


 Next Online is a trading name of Next Retail Ltd, Leicester LE19 4AT.


Confirm Country Change

Are you sure you want to navigate away from this site?

If you navigate away from this site
you will lose your shopping bag and its contents.

Cancel