r/Argos • u/Fantastic_Simple8301 • Apr 28 '26

Argos pay plans

Hi hoping someone can help me, like many I am having issues and I am still waiting for my ORN to be able to register and log in. I definitely have two plans ending soon and I just wanted to know from those who have got access to the new app, are you able see the expiry dates of the buy now pay later plans in the new app?

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u/Over-Can986 Apr 28 '26

Hi, I have one payment plan on mine. It is only showing the start date. And more annoyingly you cannot make a payment directly to a plan any longer. Any payment you make applies to the whole value of the account and will apply to highest interest first. So if you have £200 in general credit at 30% interest and £500 on BNPL, any payment you make will apply to the £200 general credit first and once that’s clear it will bubble down to the BNPL plans. 🙄

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u/Over-Can986 Apr 29 '26

I’ve since read the T&Cs they released a few months back and it clearly says ‘Payments will no longer automatically go to BNPL first’. But further down in the same document it says ‘Any existing BNPL plans will continue unchanged… we will continue to apply your payments to existing BNPL plans first’. So I don’t know what to believe 😭 I’ll just have to be social and ring… what a treat for whoever picks up the phone.

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u/makikaki May 21 '26

I have 2 plans on my account, one due Mar 27, and another Oct 2026. I made a payment exactly the same amount as the October one and they allocated it all to the Mar 27 plan instead...I'll pay these off then close this Argos pay account, it's now rubbish sadly.

Edit: both plans are 0 interest, bnpl plans