Finance - Black Horse FlexPay
Black Horse FlexPay
Black Horse FlexPay - An easy way to pay
Shop for the things you want and pay with easy instalments.
About
FlexPay is a digital credit account which lets you buy now and spread the cost of your purchases.
It comes with a reusable credit limit which you can use to pay for your purchases - you could do that by using any instalment plan on offer in your account or by simply paying with your flexible credit.
How it works
Flexible and easy
FlexPay offers a reusable credit limit.
Use your credit limit to buy what you want and spread the cost for your convenience.
Available only at participating retailers.
Manage your payments
Pay using the monthly instalment plans available for purchases above £100, at rates as low as 0%* or use your flexible credit at the standard rate.
Pay for all your plans and purchases with one easy monthly payment.
*Offers may be subject to minimum basket sizes and durations determined by the retailers.
Simple to keep track
Download the FlexPay app when you've got your FlexPay account.
Your instalment plans, statement balance and payments are at your fingertip.
Representative example
23.9% APR Representative (variable)
23.90% PA Standard rate (variable)
£1,200 Assumed credit limit
The APR, credit limit and any promotions that you’re offered will depend on the assessment of your application. Your standard interest rate will apply to the balance in your credit account which is not in an instalment plan. Instalment plans will remain at the rate they are offered unless you cancel a plan or miss a payment, then your standard interest rate will apply instead.
Credit is subject to status. Conditions apply. Black Horse is a trading style of MBNA Limited, who is the lender.
Who can apply for FlexPay
If you’re applying for FlexPay, you need to be over 18, a UK resident and have a valid bank account, mobile number and email address. We will need to do online credit checks and verify your identity to ensure that FlexPay is affordable for you and your financial circumstances.
How to apply
You can apply at any online retailer offering FlexPay on their website - just select 'Pay with FlexPay' on their checkout page to start your application.
Need more support?
If you need more support with FlexPay, please visit the link below for help with a wide range of topics.
https://www.blackhorseflexpay.co.uk
FAQS
How can I access my account?
Staying on top of your FlexPay purchases is easy. Get instant access to your account information, set up a single monthly payment, see what your balance is and much more.
Downloading the app is the quickest and easiest way to manage your FlexPay account.
You can keep track of purchases, instalment plans and much more.
Available on both Android and iOS you can use the FlexPay app to:
- Check your account balance
- View your instalment plans
- Pay your outstanding balance
- Set up a Direct Debit
- Change your account details e.g. address
- Browse retailers where you can spend
Download the iOS app (live link)
Download the Android app (live link)
You can also log in on your PC or laptop to check your account, keep track of repayments, update your details and a lot more.
How do I return or exchange an item purchased on Black Horse FlexPay?
If you buy something using FlexPay and change your mind within the retailer’s return or refund period, your refund will return to your FlexPay account when the retailer processes it. This will be reflected in your balance on your app as well as on your online account manager and your next statement.
Legal Disclosures
FCA Disclaimer
Belgica UK Ltd is a credit broker and not a lender. Black Horse is a trading style of MBNA Limited. MBNA Limited Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, register number 204487, for the provision of payment services.