Buy now, pay better

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.