Got a pension question? Our help is impartial and free to use. Get in touch online or over the phone on 0800 011 3797

Use Buy Now Pay Later agreements wisely

Buy Now Pay Later (BNPL) can seem like the easiest way to pay for your purchases. However, lots of people don’t realise they are a form of credit. So there are things you need to watch out for, especially if you’re starting to use these products to cope with the increased cost of living.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.

Defnyddio cytundebau Prynu Nawr Talu Wedyn yn ddoeth

Gall Prynu Nawr Talu Wedyn (BNPL) ymddangos fel y ffordd hawsaf i dalu am eich pryniannau. Fodd bynnag, nid yw llawer o bobl yn sylweddoli eu bod yn fath o gredyd. Felly mae yna bethau y mae angen i chi fod yn ofalus ohono, yn enwedig os ydych yn dechrau defnyddio’r cynhyrchion hyn i ymdopi â'r costau byw cynyddol.

Oedd y wybodaeth yma yn ddefnyddiol?
Diolch am eich adborth.
Rydym bob amser yn ceisio gwella ein gwefan a gwasanaethau, ac mae eich adborth yn ein helpu i ddeall sut rydym yn gwneud.
Talk to us live for…
Talk to us live for…
Talk to us live for pensions guidance using…
Our pensions webchat and telephone helpline will be closed on Tuesday 28 March for staff training. We will re-open on Wednesday 29.
Talk to us live for money guidance using…
Over 50 and want to know your pension options? Our call centre is closed right now, but you can explore your options with our simple online tool Hours
  • Mon – Fri:9am–5pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for money guidance using the telephone
Hours
  • Mon – Fri:8am–6pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for pensions guidance using web chat
Hours
  • Mon-Fri8am-6pm
  • Sat8am - 3pm
  • Sun and bank holidaysClosed
Talk to us live for money guidance using web chat
Hours
  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

Talk to us for money guidance using our web form

We aim to respond within 5 working days

Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.