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All flex no stress

Buy now, pay better and boost your credit score with monthly payments to suit your budget.


What are the benefits?

Slyce Instalments

Repay your way

Slyce any monthly spend £30 or more into handy instalments. Pay in 3 or 6 monthly payments and it’s fee free! If you prefer, pay it all off.

Need more time to pay for a bigger buy? No problem. You can slyce your payments over 9 or 12 months (fees apply).

Got cash to flash? Make an extra payment with no fee. Plus we don't do late fees if you miss a payment.

Learn more about fees

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 all your buy now pay later spending, with one hassle-free monthly payment. Spend abroad with no foreign exchange fees or extra charges.

Master your money

Not sure you can afford that purchase? The Payments View shows you exactly what's going out each month.

Get credit savvy

Track your credit score and learn how you could boost it with our exclusive in-app content and guides.

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 top brands

Wear it well

H and M logoBoohoo logoUrban Outfitters logoSweaty Betty logo

Get a glow up

Aveda logoMAC logoSpaceNK logoHUEL logo

Travel in style

LNER LogoNational Express LogoGett logoHoliday Inn Logo

Enjoy a taste sensation

Caffe Nero logoByron logoMindful Chef logoLaithwaites logo

Everyday essentials

Morrisons logoWHSmith logoPooch and Mutt logoMagazines Direct logo

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.

Slyce's instalment plans are a great way to spread the cost of your purchases over time. Choose a plan that works for you and pay back what you owe in 3, 6, 9, or 12 months. If you prefer, you can also choose to pay back what you owe in full.

Instead of having multiple plans and payments with lots of buy now, pay later providers, Slyce keeps things simple. You can 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

Learn more about fees

Start with our free Card Checker tool. It will tell you in minutes whether you'll be accepted for Virgin Money Slyce. This won't affect your credit score. Once our Card Checker tells you that you'll be accepted for Slyce, you can complete your application by sharing some details 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 ever be charged a late fee with Slyce. However, it's very important you pay as soon as possible as 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.

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, using the same details that you used in Card Checker. 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.