Interest Free Clothes, Household and Electricals 0%
Freemans offers up to 12 months interest free payments when you open a flex account. All balances over £600 are eligable for 12 months interest free credit, all balances under £600 are eligable for 5 months interest free credit.
Freemans was founded over 100 years ago, and is a household name in home shopping, shipping to addresses in the UK including Northern Ireland only.
We have two main catalogues per year and a range of smaller publications, a dedicated UK based call centre and our own distribution network. The website is continually optimised to increase conversion and make the customer journey simpler. Freemans boasts a vast product range spanning fashion, homes and electricals with top brands like French Connection, Morgan and Warehouse.
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Interest Free Incentives
- 5 Months Interest Free up to £600
- 12 Months Interest Free over £600
- No Deposit
- No Admin Charge
| Interest Free Incentives | These details are for guidance only |
Total Credit Term: Variable |
 No Deposit Required  Interest Free |
Our new Freemans flex account makes taking control of your money easy. Each month you can choose to make the minimum payment, pay no interest or pay off the balance in full. There really has never been a better time to have it all with monthly options from our new Freemans flex account.
1. Simply place an order
When you place an order online, you will be offered the choice of how to pay. If you wish to open a Freemans Flex account simply select the option to open an account when you are prompted to do so.
What are the Freemans Flex account terms and conditions?
Your Freemans Flex Account will be set up so that you will have the option of either
- Pay the full interest opt-out amount which is based on an equal repayment each month. Balances below 600 pounds will be worked out over 5 months, balances over 600 pounds will be worked out over 12 months.
- Choose to pay less one particular month, from as little as 5% of your outstanding balance, subject to a 5 pounds minimum, at only 2.2% interest per month.
(Typical 29.9% APR)
If you choose to pay the minimum payment (5%) one month, the following month you will again be offered the option to make the interest opt-out payment. In this case, the interest opt-out payment will be the outstanding balance, divided by the number of months remaining in the interest opt-out period.
The 5 or 12 month opt-out period is re-set after each subsequent purchase is authorised and booked up to the account, regardless of any other activity on the account, except when the account is in arrears.
The application of Complete Cover transactions will NOT be counted as a purchase and will not trigger a re-set of the 5 or 12 month opt-out period.
To keep it simple all future orders will be added to your Freemans Flex Account, all your other accounts will expire once your balance on those accounts is cleared. If however, you wish to transfer your existing account balance to a Freemans Flex Account please contact your Freemans operator.
No interest will be charged if you pay by the date specified on the statement, either the full balance due, or the amount specified for the interest opt-out option. With each new purchase, the 5 or 12 month interest opt-out will be recalculated unless the account is in arrears.
Interest of 2.2p in the pound
(typical 29.9% APR variable)
will be charged on the balance brought forward from the previous month minus any payments made. Purchases on your previous statement will be subject to interest.
Any returned items will not trigger a reset of the 5 or 12 month interest opt-out period.
