Click here to use our website with more accessibility support, for example screen readers

NextSteps

 Spread the cost of every order in 3, pay over 3 months, interest free.^

Making it easy to have what you want within your monthly budget.


Benefits:

benefits

Quick to apply, next3step is then always available and automatically applied every time you shop. All you need to do is pay your 3Step Payment calculated for you on your monthly statement, in full and on time,  every month, and you will pay no interest.


If you prefer you can always pay less at any time, even the minimum payment and interest will be charged at your Standard Rate.^

2

This example assumes no further purchases are made during the period shown. For illustrative purposes only. You can choose to pay more or less than the 3Step Payment, but you must pay at least the minimum payment.


Representative example: assumed credit limit £450, interest rate 29.9% annual variable. Representative 29.9% APR variable.

seperator

Plus spend £15 or more, get £10 off your first online credit order.‡

Representative example: assumed credit limit £450, interest rate 29.9% annual variable. Representative 29.9% APR variable.

next3step is a credit account which lets you spread the cost of everything you buy, by splitting your purchases into 3, instead of paying for them all in one go.

The cost of your purchases is split into 3 equal payments, which you can pay over 3 months. As long as you pay all 3Step Payments in full by the payment due dates, there’s no interest to pay.

If you don’t make the full 3Step Payment on time in any month, you’ll be charged interest on your account balance.

Anything from next.co.uk!

The total value of your purchases is subject to your credit limit. We’ll tell you what the credit limit is when you open your account, and advise you if the limit changes in future.

Once you’ve successfully applied for a next3step account, you can start shopping online at next.co.uk with next3step straight away. Simply add your items to bag and checkout using your next3step account.

Yes!

There's no limit to the number of times you can use next3step in one go, across the same month or in separate months!

The only limit is your personal credit limit. If your order value exceeds your credit limit, you can pay the difference with your credit or debit card at the time you place the order.

You’ll need to pay all 3Step Payments on each consecutive statement in full by the payment due dates to pay no interest.

If you don’t make the full 3Step Payment on time in any month, you’ll be charged interest on your account balance.

If you wish to pay less you can, just pay the Minimum Payment, and you'll be charged interest on the remaining balance.

You must pay at least the Minimum Payment on each statement you receive in full by the due date. If you don’t make the Minimum Payment in full or on time your account will be in arrears, which can affect your credit score. If you miss two Minimum Payments, you’ll be asked to pay a late payment fee of £7.50.

Your purchase will be split across the next 3 statements, and we’ll tell you on your first statement when your payment due date is, this will be the same date every month.

The total value of items you can purchase using next3step is subject to your personal credit limit. There's no limit to the number of times you can use next3step in one go, or across the month, subject to the credit limit. We’ll tell you what the credit limit is when you open your account, and advise you if the limit changes in future.

No, everything we sell on next.co.uk can be added to your account, and will have the option of next3step, subject to your account credit limit.

If you don’t make the full 3step payment on time in any month, you’ll be charged interest on your account balance.

If you don’t make the Minimum Payment in full or on time your account will be in arrears, which can affect your credit score. If you miss two Minimum Payments, you’ll be asked to pay a late payment fee of £7.50.

If you experience difficulty making payments, you can call us on 0333 777 8174, opening hours are Monday to Sunday 8am to 11pm.

Yes, but if you do, you will incur interest.

If you don’t make the Minimum Payment in full or on time your account will be in arrears, which can affect your credit score. If you miss two Minimum Payments, you’ll be asked to pay a late payment fee of £7.50. If you experience difficulty making payments, you can call us on 0333 777 8174, opening hours are Monday to Sunday 8am to 11pm.

No, a new credit application will be required for either account, and your current credit account will have to be closed ahead of the new credit application.

 ^next3step Terms & Conditions


 Credit subject to status. UK residents aged 18 and over. See our terms and conditions for more information (or call 0333 777   8733. For call charges contact your service provider).


 next3step is an open-ended credit account – it has no fixed term. You can purchase goods from Next, up to the credit limit set   for you and try before you pay. You will receive regular statements showing details of your purchases and your payment options.


 Each time you purchase an item using your next3step account, you will have the option to pay in 3 monthly instalments and   pay no interest on that item. To avoid paying interest you must pay the full 3Step Payment shown on each consecutive statement on time.


 If you do not make the full 3Step Payment in any month on time, the whole balance will become chargeable to the Standard Rate of Interest at 29.9% per annum variable (the Standard Rate). You will be given the option to pay for subsequent purchases in 3 instalments. Once a balance moves to the standard rate it cannot move back.  


 You can choose to pay more or less than the 3Step Payment in any month, but you must pay at least the Minimum Payment.   If you do not make at least the Minimum Payment by the due date, your account will be in arrears, which will affect your   credit  rating. If you only make the Minimum Payment each month it will take longer and cost more to repay your balance.


 If you pay more than the 3Step Payment in any month, you can still avoid interest, provided the full value of applicable items is repaid over a maximum of 3 months and each consecutive 3Step Payment is paid in full.


 No interest is charged in any month where the balance from the previous statement is repaid in full by the due date. This includes any balance to which the Standard Rate or any other rate of interest applies.


 ^^The credit limit may be lower than your order value. You will be asked to pay for any excess at the time of your order.


 ‡£10 off your first online credit order only. Minimum order value £15 after other discounts have been applied, excludes delivery and nextunlimited subscriptions. Gift Cards and eGift Cards cannot be used in conjunction with this offer. Returned items refunded at the discounted price paid.  This offer is only available to new customers opening a next3step account online and may be withdrawn at any time.


 Next Online is a trading name of Next Retail Ltd, Leicester LE19 4AT.


Confirm Country Change

Are you sure you want to navigate away from this site?

If you navigate away from this site
you will lose your shopping bag and its contents.

Cancel