Product Reviews 
Pay In 3
with a Damart Personal Account
Pay In 3
with a Damart Personal Account
Spread the cost Over 3 months over 3 equal monthly payments – Interest Free*
Representative 39.9% APR variable
Making shopping easier
• Pay In 3 easy monthly instalments - at no extra cost.
• Nothing to pay at the checkout
• No interest when all 3 payments are made on time
How Pay In 3 works
Choose your products
At the checkout, select Pay In 3 as your payment option.
Try at home
Style with your wardrobe and decide which pieces to keep. The first payment is taken once your order is shipped.
Send off any returns
Easy fixed fee returns. We’ll adjust your payments accordingly once returns are processed.
Easy, interest-free payments*
Your remaining balance will be split into 3 monthly payments, automatically collected – with no interest or fees.
*If the full outstanding balance is unpaid, the balance incurs interest (representative 39.9% APR variable rate.)
Shop the latest trends
Style made simple with Pay In 3
Pay In 3 example for a £90 purchase
If you choose not to make all 3 payments, the balance will move to your Personal Account and interest will apply at 39.9% APR (variable).
Can I use Pay In 3 more than once?
Yes! You can use Pay In 3 as often as you like - whether it's for multiple items in one order, or purchases made in different months. All purchases must be within you credit limit available.
Here is an example
|
|
|
|
|
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Purchase 1 £30 Bought in month 1 |
£10 |
£10 |
£10 |
|
|
Purchase 2 £75 Bought in month 2 |
|
£25 |
£25 |
£25 |
|
Purchase 3 £90 Bought in month 3 |
|
|
£30 |
£30 |
£30 |
Pay in 3 monthly payments | £10 | £35 | £65 | £55 | £30 |
Here is an example
|
|
|
|
|
|
Purchase 1 £30 Bought in month 1 |
£10 |
£10 |
£10 |
|
|
Purchase 2 £75 Bought in month 2 |
|
£25 |
£25 |
£25 |
|
Purchase 3 £90 Bought in month 3 |
|
|
£30 |
£30 |
£30 |
Pay in 3 monthly payments | £10 | £35 | £65 | £55 | £30 |
FREQUENTLY ASKED QUESTIONS
How can I pay using Pay In 3?
It couldn't be easier. Add what you would like to order to your basket. When you reach the payment page simply select the "Pay In 3" payment option. If you are already a Damart Personal Account holder 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, and complete a short application form, the approval process should take less than 60 seconds.
What can I pay for using Pay In 3?
Anything you would like to order from damart.co.uk
Can I use Pay in 3 more than once?
Yes, there are no restrictions to the number of items you can choose to buy using ‘Pay In 3’, providing the total order values are within your approved credit limit available.
Do I have to pay the instalment amounts detailed on my statements?
You must pay at least the Pay In 3 instalment amounts detailed on your statement by their due dates. The due dates and instalment amounts cannot be changed.
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.
What happens if I miss a payment?
If you fail to pay the full amount of each Pay In 3 instalments the Pay In 3 options will cease. The remaining Pay In 3 outstanding balances will be transferred to your Personal Account, added to any outstanding balance, and subject to interest charged at representative 39.9% APR. You can make payments towards the Personal Account balance at any time, paying it off in full, an amount you choose every month or the minimum payment each month. If you only pay the minimum it will take longer to pay off and will cost you more. You can also set up a Direct Debit, so you never miss a payment.
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 take the instalment amount due to be paid on the payment due date.
If you have a direct debit setup for a fixed amount you will need to check that this fixed amount will cover the instalment amount due. If it doesn’t cover the instalment amount then you will need to make an additional payment to cover the difference by the payment due date. If you fail to do this then the remaining Pay In 3 outstanding balances will be transferred to your Personal Account, added to any outstanding balance, and subject to interest charged at representative 39.9% APR.
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!
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