If you’re unable to pay your minimum payment by the due date, please let us know when you will be able to do so. Any required minimum monthly payments missed on your account during this time may affect your credit score. Interest fees will still apply, as well as any applicable late payment fees.

We may be able to temporarily pause our payment communications during that time. You will be required to meet your promise of payment by the agreed date. Please note that any new minimum monthly payments requested should be paid by the following due date.

If you’re up to date with your Next account but finding it hard to meet your due date each month, we can help.

• If you have a nextpay credit account, we can move your statement date to a day that's more convenient for you. 
• If you have a nextpay or a pay in 3 credit account, you can set up a Direct Debit, taking payment from your bank/building society on or within 3 days of the payment due date quoted on your statement. Simply log into My Account and select ‘Manage your Direct Debit’ to edit, set up or cancel your Direct Debit online.

If this situation best describes you, click here to contact us.
 

We can help you by setting up a reduced payment plan with affordable payments. Whether it's a short-term or long-term plan, our goal is to help you manage your account.

Once we set up your plan, you won't be charged interest or late payment fees for the duration of the plan. You will not be able to place orders on your account during this time. 

We'll report the plan to the credit reference agencies, which may impact your ability to borrow in the future; however, successfully completing the plan will prevent further collections activity on your Next credit account.

You can use our Budget form to track your income and expenditure before contacting us to understand better what you can afford.

If this situation describes you, click here to contact us.