Argos Card Credit Plans

Representative 34.9% APR Variable. Shop at Habitat and Argos with our flexible payment plans.

Pay no interest when you pay within your plan period

Representative 34.9% APR Variable

Representative 34.9% APR Variable

Up to 12 months to pay at Argos and Habitat and up to 56 days to pay when using the Argos Card for your shop and fuel at Sainsbury's.

Check your eligibility for the Argos Card without impacting your credit score.

Pay no interest when you pay within your plan period

Pay no interest for up to

  • 3 months when you spend £149+ on your bag*
  • 6 months when you spend £199+ on your bag*
  • 12 months on any product £499+*
  • 12 months on all furniture and garden products £199+ *

* and you pay your full balance within the plan period.

Representative 34.9% APR variable

With the Argos Card, no interest will be charged if you pay in full within your credit plan period and keep your account up-to-date. If you don't pay in full, you'll be charged interest on any balance remaining at the end of the plan. This interest will be backdated to the date of purchase.

Ways to apply

It's easy to apply for the Argos card. The way you apply depends on whether you need a credit plan today... Or whether you're lining up credit ready for future shopping at Argos or Habitat.

    Apply when you check out today.

    Apply when you check out today

    Got your eye on something today? Keep shopping and we'll remind you to apply when you check out. You can choose to collect your products or have them delivered.  

    Apply to shop later.

    Apply to shop later

    If you're planning ahead you can apply for the Argos card today. We'll send out your card within 10 days. As soon as it arrives, you can shop online.

    Nothing caught your eye? Check out our standard credit plans. These can be taken out on anything you're buying online at Habitat or at Argos.

    We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the credit you are applying for, along with an independent verification of your credit and repayment history. Representative 34.9% APR variable.

    Home Retail Group Card Services Limited, trading as Argos Card and Argos Financial Services (‘AFS’), receive a variable fee from Argos Limited (Argos) for customers using an Argos Card to purchase goods from Argos. The fee does not affect the price of the goods or the amount you pay to AFS for transactions on your Argos Card.

      Standard Credit Plans

      Normal credit

      Normal credit

      when you spend under £149.
      3 months to pay.

      3 months to pay

      when you spend £149+.
      6 months to pay

      6 months to pay

      when you spend £199+.
      12 months to pay

      12 months to pay

      on any product £499+.
      12 months to pay

      12 months to pay

      on all furniture and garden products £199+.

      How it works

      First things first, add what you want to your trolley. Once you've finished browsing and shopping, you'll see your credit plan options and application details at the checkout.

      Manage your account

      Manage your account.

      Already got the Argos Card?

      It's quick and easy to keep on top of your finances with the Argos Card App.

      To manage your Argos Card account online, click here Manage your account.

      Don't have the app yet?
      You can download it here:

      Want to learn more?

      Credit scores

      While credit scores might seem dull, getting your finances in shape is a really important life admin task. We've pulled together some info to make it all a bit easier to understand.

      A to Z of finance terms

      What on earth does that mean? Some abbreviations, institution names and definitions in the banking and finance world can be confusing. We've brought together a glossary of words to help simplify the small print and untangle the T&Cs...

      Argos Card FAQs

      View all

      Spread the cost on your Habitat shopping with an Argos Card. You can choose from one of our standard credit plans or check out our special offer credit plans. These are time-limited credit offers available on top products including indoor and outdoor furniture.

      The Argos Card allows you to buy now, pay later and it’s easy to manage your account with the Argos Card App. So, if you need a new sofa, want to shop the latest lighting from Habitat or are on the hunt for the latest outdoor furniture, apply for an Argos Card online.

        Why buy at Habitat?

        You can now collect and spend Nectar points when you shop at Habitat

        You can now collect and spend Nectar points when you shop at Habitat.

        Order online and collect the same day

        Order online and collect the same day. Find out more.