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All flex, less stress

With monthly payments to suit your budget, Slyce can help improve your credit score

What are the benefits?

Slyce Instalments

Repay your way

Slyce up your spending with instalment plans that put you in control

3 month plans are fee-free

There's no fee if you choose to pay in 3 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 six, 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

Representative example

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.

Get Virgin Money Slyce

Before you apply, see if you’re eligible for Slyce with our quick Card Checker. It only takes a few minutes and there’s no impact on your credit score.

Need to know information

You'll need a smartphone running a minimum of iOS 14.7 or Android 9 to activate your card and use the Slyce app.

Not sure if Virgin Money Slyce is right for you?

Check out the full range of Virgin Money Credit Cards

View all 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 Extra Slyce - our exclusive range of in-app guides and tips.
slyce cashback logo

Earn some cool cashback

Get started in the Virgin Money Credit Card App. See all the offers and start earning cashback with selected top brands!

Terms apply

Find out more about Virgin Money Cashback

Earn cashback when you shop with selected top brands

Wear it well

H and MBoohooUrban OutfittersSweaty BettyWarehouseSunglass HutOasisNasty Gal

Get a glow up

AvedaMACSpace N KHuel

Travel in style

L N E RNational ExpressGettHoliday Inn

Enjoy a taste sensation

Cafe NeroByronMindful ChefLaithwaites

Everyday essentials

MorrisonsW H SmithPooch and MuttMagazines Direct

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 3, 6, 9 or 12 monthly instalment to suit your budget. 3 month instalment plans are fee-free, longer plans of 6, 9 and 12 months 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. 3 month instalment plans are fee-free, longer plans of 6, 9 and 12 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 month instalment plans are fee-free. All you'll pay is your monthly instalment plan amount, that's it! For longer plans of 6, 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 - 5% fee

9 monthly payments - 7.5% fee

12 monthly payments - 10% fee

Learn more about fees

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.