Log In Secure Sign-Up

  • Credit Report
  • Home
  • Credit Report
    Analysis Score History Accounts Profile Searches Rulings
  • Offers
  • Credit Cards
    Cards for Poor Credit Balance Transfer 0% Purchase Cashback Rewards Balance Transfer & Purchase Travel All Credit Cards
  • Loans
    Personal Loans Loans for Bad Credit Homeowner Loans All Loans
  • Mortgages
    Remortgage First-time Buyer Buy-to-Let Purchase All Mortgages

  • My Account

    My Details My Preferences Help Sign Out
  • Sign Up Log In
  1. TotallyMoney
  2. FAQs
  3. Credit Report and Credit Score
  4. Buy Now, Pay Later

Buy Now, Pay Later

  • What is Buy Now, Pay Later? 
  • Why is my Buy Now, Pay Later information showing on my credit report?
  • When will this information appear on my credit report? 
  • How will this affect my credit score?
  • Will I need to provide more information when using Buy Now, Pay Later finance? 
  • Will these changes affect how many Buy Now, Pay Later agreements I can take out?
  • Will a good payment history with Buy Now, Pay Later be recognised in my credit score?
  • If I miss a Buy Now, Pay Later payment, will it affect my credit score?
  • Will credit searches be carried out or recorded every time I make Buy Now, Pay Later purchase?
  • Do Buy Now, Pay Later providers have to report this information?
  • Will Buy Now, Pay Later information be available on other credit reports and scores? 

We're on a mission to help everyone move their finances forward and gain financial momentum.

Services

  • Credit Report
  • Credit Cards
  • Loans
  • Mortgages

Company

  • About us
  • Careers
  • Contact
  • Complaints

Guidance

  • FAQs
  • Guides
  • Blog
  • Press

Legal

  • Privacy
  • T&Cs
  • Cookies
  • Privacy
  • T&Cs
  • Cookies
  • Help

TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

Financial Conduct Authority authorised and regulated

Credit file data is provided by: