Frasers Plus is a credit product where you are able to use your credit limit to purchase goods and pay in three different ways:

1. By paying in full at the end of the monthly billing period (interest free). Your purchases using the Frasers Plus product will automatically defer to this option. If you want to pay over a longer instalment plan period, you can replan your purchase in the FrasersPlus app.

2. By spreading the payment across up to 3 monthly interest-free instalments, or

3. By spreading the payment across 6-36 months. Instalment plans of 6 months or longer are interest bearing. Representative APR: 29.9% APR (variable).

Illustrative Example of repaying a £500 purchase over a 12 month instalment plan: Cash price of purchase: £500 Total amount of credit: £500 Rate of interest: 29.9% (variable) APR: 29.9% APR (variable) Number of payments: 12 monthly payments of £47.53 Cost of credit: £70.36 Total amount payable: £570.36

To apply for a Frasers Plus account you must be aged over 18, be a UK resident and have an income of over £7,500 per year.

1. Open the app
2. Find the transaction you wish to reduce and tap it.
3. Move the slider to the left to reduce the repayment plan, or to the right to spread the cost for longer.
4. The app will calculate how much interest you'll pay
5. When you're happy, choose 'confirm'. Can't select the transaction? If you're a Direct Debit customer and we're ready for your payment, you won't be able to replan until your bill is paid (or your payment fails if you don't have enough funds to cover the bill). Your bill is ready for payment on or around the 1st of the month, depending on weekends and bank holidays. You can check this date any time in the app on the first page. If you're not a Direct Debit customer, drop us a message at customersupport@frasers.plus with a screenshot and we'll take a look!

Got any more questions? See our FAQs on our customer service page.