Product Reviews 
Buy Now Pay Later
with a Damart Personal Account
Buy Now Pay Later
with a Damart Personal Account
Enjoy your purchases now and pay up to 3 months later – Interest Free*
What is Buy Now Pay Later (BNPL)?
BNPL lets you delay payment on orders of £70 or more (including postage and packaging) for up to 3 months from the date of when we send your order - interest-free during this period. After that, standard interest applies. Subject to eligibility. Representative 39.9% APR variable.
How it works
Choose your products
Basket total must be £70 or more. At checkout, select Buy Now Pay Later as your payment option.
Try at home
Style with your wardrobe and decide what to keep. No upfront payment needed.
Send off any returns
Send off any returns. Easy fixed fee returns. Use our simple returns process.
Pay later
Only pay for what you keep. Pay anytime within 3 months – interest free.*
*If the full outstanding balance is unpaid, the balance incurs interest (representative 39.9% APR variable rate.)
FREQUENTLY ASKED QUESTIONS
How can I pay using BNPL?
It couldn't be easier. Add what you would like to order to your basket. When you reach the payment page simply select the "Buy Now Pay Later" payment option. If you are already have a Damart Personal Account, you won't need to submit a new application. If this is the first time you are using our Personal Account, you will enter some essential details for your application decision. The approval process should take less than 60 seconds.
What can I pay for using BNPL?
Anything you would like to order from damart.co.uk as long as the order reaches a minimum basket value of £70.
How do I make a payment?
To make a payment, click on the account icon 
at the top right of the website to log in. Once logged in, go to ‘MyAccount’ and select ‘Personal Account’ and then 'Make A Payment’. Follow the on-screen instructions, making sure to fill in all required details. You can also call us on 0330 123 5429 to make a payment.
Other ways to make a payment:
• Call 0330 123 5429
• Direct Debit
• Online by card/PayPal
• Bank Transfer
• At the Post Office
Please note, payments received will always be allocated first to make your minimum repayment due on your Personal Account if you have an outstanding balance, including any accrued arrears and interest, so that your account does not fall into arrears.
How is the interest calculated?
Interest is calculated on the outstanding balance of the BNPL order at the end of the delayed payment period. This is calculated at a daily rate of 0.0933 pence in the pound from the day your order was despatched up until the end of the delayed payment period. This equals 34% per annum (variable) unless you pay the balance by the end of the delayed payment period.
How can you avoid paying interest?
To avoid paying interest you must clear the balance of your BNPL order on or before the end of the delayed payment period. This date will be communicated in your statements. You can make payments at any time towards your BNPL order and don’t need to wait until the end of the delayed payment period to clear the balance. We will send payment reminders.
What happens if I miss a payment?
If you miss your payment due date at the end of the delayed payment period then the balance of your BNPL order will be transferred to your Personal Account and you will be charged interest as mentioned above. Your balance will then be subject to further interest charges if you do not clear it by the payment due date on your next statement. If you are struggling to make a payment, email ukcreditmail@damart.com or call 0330 123 4083 and we can discuss all of your potential options.
Do I still have my minimum payment?
If you don’t have an outstanding balance on your Personal Account then your minimum payment will be zero until you reach the end of the delayed payment period. If you do have an outstanding balance on your Personal Account then you will still be required to pay the minimum payment shown on your statement to avoid falling into arrears.
What happens if I have a Direct Debit set up?
If you have a Direct Debit setup to take either the minimum or full payment on your account then this will be taken on the payment due date at the end of the delayed payment period for the amount of the outstanding balance.
If you have a Direct Debit setup for a fixed amount you will need to check that this fixed amount will cover the outstanding balance at the end of the delayed payment period. If it doesn’t cover the outstanding balance you will need to make a payment to cover the difference to avoid being charged interest.
Find out more about setting up a Direct Debit
Click Here
How are payments to my account allocated?
Unless you email ukcreditmail@damart.com or call 0330 123 4083 to tell us how you want a specific payment allocated, your payments will be allocated in the following order:
1. The minimum payment on your Personal Account
2. Any Pay In 3 and/or BNPL amounts that are due this month
3. Additional balance on your Personal Account above the minimum payment
4. Any Pay In 3 and/or BNPL balances that are not due this month
NEED MORE SUPPORT?
Don’t worry. We’re here to help.
If you’re struggling to make your minimum payment right now, email ukcreditmail@damart.com or call 0330 123 4083 to discuss options and agree on the best way forward.
We’re committed to supporting you and we understand that everyone has unique needs, and that’s why we’re dedicated to working with you on a tailored plan.
Try before
you buy
– Nothing to pay upfront.
Pay later
Up to 28 days to pay – interest free! Only pay for what you keep.
Spread the cost#
Enjoy the flexibility to split the cost into monthly payments.
Up to £500 to spend
Open a Personal Account and get up to £500 credit limit to spend, instantly!