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 our participating retailers.
Black Horse FlexPay
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.
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 fingertips.
Available only at our participating retailers.
Credit is subject to status. Conditions apply. Black Horse is a trading style of MBNA Limited, who is the lender.
Representative Example
23.90% APR
Representative (variable)
23.9% 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.
Applying for FlexPay
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. Black Horse FlexPay