Kaleidoscope’s Buy Now Pay Later offer allows you to PAY NOTHING for up to 12 months when you spend £110 or more.

To be eligible for Buy Now Pay Later customers must have traded with Kaleidoscope for a minimum of 5 months.

Buy Now Pay Later interest is representative 29.9% p.a. Interest will only be payable if there is a balance outstanding at the end of the Buy Now Pay Later period. Interest will be calculated as an Average Daily Balance, and will be calculated from the end of the approval period up until the date of the first statement you receive after the end of the BNPL period. No payments required during the BNPL period and interest will only be payable if there is a balance outstanding at the end of the BNPL period. If you do not wish to pay the BNPL balance in full at the end of the BNPL period the outstanding amount, together with any interest due, will be added to your outstanding Personal Account balance. Your Personal Account minimum payment terms (5% or £5, whichever is greater) will then apply. There is no annual fee for BNPL. To avoid paying interest, simply pay the full amount by the due date.

Your deferred interest period: Buy Now Pay Later plans (up to 12 months) offer specified periods to opt out of paying interest. Deferred interest will be payable if you do not pay the balance by the due date. Interest will be calculated as an Average Daily Balance (ADB).

Example:

For purchases made between 1st April 2013 to 31st March 2014, assuming the billing date is 1st April 2014: Cash price of goods: £200. Interest Rate: 29.9% p.a. Interest charged £50.86. Total charge for credit £250.86. We will write to you before the due date to advise you of your options.

Your minimum payment: minimum payment terms will then apply, 5% of the balance each month or £5 (whichever is greater). Annual fees £0. There is no annual fee for Shop Now Pay Later. Spend £200 on a Buy Now Pay Later plan and pay nothing prior to the end of the offer (although you can if you wish) then settle the balance by the due date. Total payable £200. Or choose to spread the cost for longer and start paying the monthly minimum of 5% of the balance or £5, whichever is the greater.

Your balance includes the deferred interest from the delivery date. To avoid paying interest on your shopping simply pay the full amount by the due date. If you want to make any payments in the meantime please call us on 0871 244 2770 (calls cost 10p per minute from BT landlines). We will write to you before the due date to advise you of your options.