Pay in 3 with Take 3

Take 3 enables you to split the cost of purchases over 3 payments and pay no interest. It applies to all new purchases that are not on Buy Now Pay Later (BNPL). It’s easy, order on your account in the normal way by clicking on “Add to account” in checkout. Then, each month, we’ll show you the Take 3 Payment due on your statement which you will find in “My account”. You will need to make this payment to avoid interest on your purchases that qualify for Take 3.

The Take 3 Payment includes the minimum payment required for any of your current balance that does not qualify for Take 3 such as outstanding balances on BNPL after the delayed payment period has ended and balances that no longer qualify for Take 3 because you failed to make a Take 3 Payment.

Just order in the normal way by clicking on "Add to account" in checkout and Take 3 will automatically apply to any new purchases you make that are not on Buy Now Pay Later. We’ll then calculate your Take 3 Payment each month and show this on your statement which you’ll find in "My account".

Take 3 applies to everything we sell providing you don’t purchase on Buy Now Pay Later.

Take 3 applies to all new purchases you make that are not on Buy Now Pay Later. If one month you do not make the Take 3 Payment then all the purchases that were in the Take 3 balance when the payment was missed stop qualifying for Take 3 but any new purchases, except for those on Buy Now Pay Later, will qualify for Take 3.

You will need to make the Take 3 Payment shown on your monthly statement which you will find in "My account".

The Take 3 Payment is the amount you must pay to avoid interest on all your purchases that qualify for Take 3. It includes the minimum payment required for any of your current balance that does not qualify for Take 3 such as outstanding balances on Buy Now Pay Later after the delayed payment period has ended and balances that no longer qualify for Take 3 because you failed to make a Take 3 Payment.

The Minimum Payment shown on your monthly statement is the minimum amount you need to pay to keep your account up to date. If you only make the Minimum Payment then interest will be charged on your current balance including on items that qualify for Take 3.

Yes, you can use both Take 3 and Buy Now Pay Later at the same time for different items, just not the same item. For example you can add items to your account and split the cost of this purchase into 3, and select BNPL for other items you want longer to pay for. You can make this choice at checkout.

Take 3 is a new and additional repayment option.

You must make at least the Take 3 Payment each month to avoid incurring interest on purchases that qualify for Take 3. You can make the Take 3 Payment in one single payment or in multiple payments provided the required amount is received by the payment due date shown on your statement.

You can pay more than the Take 3 Payment if you wish. Any additional payment received will be applied in accordance with the Payment Allocation Rules (which can be found in your credit agreement and on the rear of your monthly statement) and may reduce your next Take 3 Payment.

If a Take 3 payment is missed, all the purchases that were in the Take 3 balance when the payment was missed stop qualifying for Take 3 and will be subject to interest.

If a Take 3 payment is missed, all the purchases that were in the Take 3 balance when the payment was missed stop qualifying for Take 3 and will be subject to interest.