When you chose to pay later, we’ll send you a statement every 28 days telling you how much to pay and when. If you don’t pay the full statement balance, by the payment due date shown on your statement, interest will be charged on the balance left over.

If you only pay the minimum each statement, it will take longer to pay off what you owe and cost you more in interest. You will receive your first statement within 28 days of opening your Home Pay account.

See Full Credit Terms and Conditions for further information.