Product Reviews 
PAY IN 3
with a Personal Account
How does it work?
- With Pay In 3, you can split the cost of your order over 3 consecutive months, with 3 equal monthly instalments.
- Plus, you won’t have to pay anything until 4 weeks after the date your order is dispatched.
- If you choose not to make all 3 “Pay In 3” payments, then the remaining outstanding balance will be transferred to your Personal Account and you’ll pay interest on your outstanding balance at the representative 37.7% APR variable rate.
- You will receive a monthly statement listing your Pay In 3 orders, the outstanding balance, and the instalment amount to be paid and due dates.
Here is an example:
Pay In 3 examples | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 |
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.
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.
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 37.7% 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.
How do I make a payment? +
Click on MyAccount or online at damart.co.uk/payments for details. You can call us on 0330 123 5429 to direct payment towards a specific Pay In 3 transaction. 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 have a Direct Debit set up? +
If you have a Direct Debit set up 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 37.7% APR
How are payments to my account allocated? +
Unless you call us on 0330 123 5429 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 just call our Personal Account Customer Care Team on freephone 0800 085 9311 or email ukcreditmail@damart.com and you can 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.