All flex, less stress
With monthly payments to suit your budget, Slyce can help improve your credit score
What are the benefits?
- Manage your buy now, pay later spending with one easy monthly payment
- Pay in instalments over 3, 6, 9, or 12 months - pay in three or six and there's no fee
- Track your credit score and level up your financial know-how with in-app tips and tricks
- Get cashback in your hands when you shop with selected top brands
Follow a day in the life of influencer Bisi Akins as she talks about how she uses Slyce.Watch video
Repay your way
Slyce up your spending with instalment plans that put you in control
Shorter plans are fee-free
There is no fee if you choose to pay in three or six monthly instalments. All you’ll pay is your monthly payment amount - that’s it! You can also pay off your monthly spend in full, with no fee.
Longer plans have a fee
Need more time to pay? No drama. Slyce your payments over nine or twelve months. Instalment fees apply.
Instalment plan limits
Monthly spend of £30 or more can be put into an instalment plan. Any monthly amount under £30 needs to be paid in full.Learn more about fees
Interest rate 10% per annum (variable). Based on borrowing £1200.
Representative 19.5% APR (variable).
All about payments
- You can choose the instalment plan that best suits your budget in the Virgin Money Credit Card app.
- If you don't choose a plan in the payment window period, your spend will automatically be put on a 12 month plan.
- If you miss a requested payment, we won't charge you. However, all existing plans will automatically switch to the minimum payment amount. This is equivalent to a 12 month plan.
- 12 month plans take longer to pay, cost you more and come with a 10% instalment fee.
- There's no fee if you want to pay back your monthly spend in full or pay off extra.
Not sure if Virgin Money Slyce is right for you?
Check out the full range of Virgin Money Credit Cards
Be credit confident
Buy now, pay later doesn’t have to be confusing - keep it simple with Slyce
- One card. One payment plan.
- Use Slyce for your buy now pay later spending, with one easy monthly payment. Spend abroad with no foreign exchange fees or extra charges.
- Master your money
- The Payments View shows you exactly what's going out each month so you can plan your spending.
- Get credit savvy
- Track your credit score and learn how you could boost it with our exclusive in-app content and guides.
Earn cashback when you shop with selected top brands
Wear it well
Get a glow up
Travel in style
Enjoy a taste sensation
Questions and answers
Virgin Money Slyce is a better way to buy now, pay later. It helps keep your payments on track so you'll build your credit score. Slyce can be used both in-store and online. There are no foreign exchange fees for using your card wherever you are in the world.
Each month you’ll choose how to pay your monthly balance. Pay off the full amount or pay in three, six, nine or twelve instalments to suit your budget. Three and six month instalment plans are fee-free, longer plans of nine and twelve have a percentage fee added.
Download the Virgin Money Credit Card app to see your credit limit, the amount you owe and what’s available to spend. Keep an eye on upcoming payments in the Payments View.
Virgin Money Slyce is a credit product. Please make sure you can afford to repay what you borrow.
Slyce's instalment plans are a great way to spread the cost of your purchases over time. Simply choose a plan that works for you and pay back what you owe in 3, 6, 9, or 12 months. Three and six month instalment plans are fee-free, longer plans of nine and twelve months have a percentage fee added. If you prefer, you can also choose to pay back what you owe in full, with no fee.
Instead of having multiple plans and payments with lots of buy now, pay later providers, Slyce keeps things simple. Manage all your buy now, pay later spending on one card, and pay back what you owe with a monthly payment to suit your budget.
We prefer to talk to you about fees, rather than interest. We think this helps you understand the actual cost of your borrowing. However, if you’d like to know what the fees would equal as interest, please visit our Help Centre.
Virgin Money Slyce has no hidden costs. 3 and 6 month instalment plans are fee-free. All you'll pay is your monthly instalment plan amount, that's it! For longer plans of 9 and 12 months, an instalment fee is added. This is a percentage of the total amount you put into the plan:
3 monthly payments - no fee
6 monthly payments - no fee
9 monthly payments - 7.5% fee
12 monthly payments - 10% fee
Start with our free Card Checker tool. It'll tell you in minutes whether you'll be accepted for Virgin Money Slyce. This won't affect your credit score. Once our Card Checker confirms you'll be accepted for Slyce, you can then complete your application. Check the details you shared via Card Checker and share some additional information with us.
As part of your application, we'll run a credit check. This will show on your credit file. If you are successful we'll email you to confirm your credit limit, when your card will arrive (usually within 7-10 days), and how to activate your card in the Virgin Money Credit Card app.
If you miss a payment, don't panic. You won't be charged a late fee with Slyce. However, it's important you make this payment as soon as possible. Missed payments can impact your existing plan lengths, and your credit score if you are only paying the minimum amount.
If you miss your monthly Requested Payment, we'll let you know in the app and by emails that it's late. You'll have 10 extra days to make your Requested Payment. It's important to make this payment as soon as you can to avoid falling behind on repayments and to keep all existing instalment plans the same.
If you don’t make your Requested Payment within 10 days, your account will be flagged as being behind on repayments, and all your existing instalment plans will switch to the Minimum Payment amount (equivalent to a 12 month instalment plan)
If you then miss your Minimum Payment, we’ll need to let the Credit Reference Agencies know your account is behind on repayments. This can affect your credit score. Your card will be blocked to give you time to catch up in your repayments.
Using our free Card Checker tool to check your eligibility for Virgin Money Slyce has no impact on your credit score. Card Checker runs a soft search on your credit file, and this information won't appear on your credit file or impact your credit score.
If our Card Checker tells you that you'll be accepted for Slyce, you can then complete your application. When you make a new credit card application, a hard check appears on your credit file. Making a single credit card application has minimal impact on your overall credit score. However, making too many applications for credit within a short time can affect your credit score.
Using Virgin Money Slyce responsibly, making every repayment on time and not using a large percentage of your available credit limit helps to build your credit score.
The legal bits
Slyce is a credit card product provided by Virgin Money. Credit is available, subject to status to UK residents aged 18+. Think carefully about what you borrow. Maximum credit limit £3,000. Slyce is only available for card purchase transactions and excludes balance and money transfers.
The featured cashback brands are some of the brands we work with. The available cashback offers change regularly. You'll be able to check the participating brands and offers available to you at any time through our app. Cashback service terms apply. For more information go to Virgin Money Cashback Terms.
The Virgin Money Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.