Shop Pay Instalments FAQ

Terms & Conditions

Great Fishing Tackle are pleased to be able to offer Shop Pay Instalments as payment method for all your fishing tackle and fishing gear needs. Would you like to make a purchase but would prefer to spead the cost? Then this may be the payment method for you. Read all about Shop Pay Instalments below:

INTRODUCTION

Through Shop Pay Instalments, Great Outdoors Superstore Ltd T/A Great Fishing Tackle offer either Pay now, Pay in 3 monthly, interest free instalments or Pay in monthly instalments options.
(NOTE: If payments are not made on time you may be subject to late payment fees)
For the purpose of this FAQ any reference to 'Great Fishing Tackle' refers to Great Outdoors Superstore Ltd which trades as Great Fishing Tackle.

DISCLAIMERS

  • Pay in 3 monthly interest-free instalments: Great Outdoors Superstore Ltd (T/A Great Fishing Tackle) acts as an introducer and not a lender of unregulated credit products provided by a limited number of finance providers, Credit is offered by Shopify International Ltd. (FRN: 1031087) in partnership with Affirm UK Limited.
    Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only, subject to status.

    (NOTE: If payments are not made on time you may be subject to late payment fees)

  • Pay in monthly instalments: Credit is offered by Shopify International Ltd. (FRN: 1031087) in partnership with Affirm UK Limited. Shopify International Limited is an Appointed Representative of Affirm U.K. Limited, trading as Affirm, which is authorised and regulated by the Financial Conduct Authority (FRN: 756087). Affirm’s company number is 10199101 and its registered office is at C/O TMF Group, 1 Angel Court, 13th Floor, London, EC2R 7HJ. 
    Shop Pay Instalemts is only available to permanent UK residents aged 18+, subject to status.

    Greatoutdoors Superstore Ltd (T/A Great Fishing Tackle)
    Companies house number: 738712080 Station Road, Llanelli, Carmarthenshire, SA15 1AN


    Shop Pay Instalments offers credit in partnership with Affirm as lender. Affirm provides unregulated credit, subject to a credit check and minimum spend, which may vary. Terms apply. UK residents only, 18 and over with a debit card. A deposit is required at checkout. Missed payments could affect your financial status.

    (NOTE: If payments are not made on time you may be subject to late payment fees)

RISK WARNING

Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your monthly repayments on time by the due date. Failure to make payment on time could result in your debt being passed to a debt collection agency and affect future lending decisions made by Affirm, additionally you may be subject to late payment fees.

ISSUES PAYING WITH SHOP PAY INSTALMENTS?

If you are having issues checking out with Shop Pay Instalments, please refer to Affirm's Help Page and/or contact them to check your eligability.

Shop Pay Instalments Help Page


SHOP PAY INSTALMENTS PAYMENT OPTIONS

  • 'Pay in 3' interest-free monthly instalments

    Shop Pay in 3 interest-free monthly instalments allows you to buy and spread the cost via Three interest-free payments for orders from £50 to £999.99 with the initial payment due at checkout.

    *0% APR is subject to not missing payments.

  • Shop Pay Monthly Instalments

    Shop Pay Monthly Instalments Monthly interest-bearing payments for orders from £150 to £30,000. APR ranges up to 35.99% APR with a 22% Representative APR. Orders paid for in monthly instalments can be paid in 3, 6, 12, 18 and 24 months depending on the purchase amount. A down payment may be required.

    If an order exceeds £17,500, the customer pays a down payment for the remaining balance upfront. For example, if the order total is £20,000, then the customer pays £2,500 upfront, and the remaining £17,500 is split into equal, interest-bearing, monthly payments.


Terms & Conditions

1. Overview

When you choose to pay using Shop Pay Instalments at checkout, your repayment plan is provided by the instalment provider. Great Fishing Tackle sells the goods - the instalment agreement is between you and the provider. All instalment options and eligibility checks are performed at checkout and are subject to the provider's terms.

2. Eligibility

  • Available to UK residents aged 18 or over with a valid UK billing address.
  • Purchases must be in GBP; minimum and maximum order values may apply.
  • Eligible payment methods (e.g., most debit cards) are required - credit cards may not always be accepted depending on the plan.

3. Payment options & schedule

Customers may be offered different repayment plans at checkout (for example: 4 biweekly payments, or monthly plans over 3, 6, 12 or 24 months). The first payment may be due at checkout or shortly after; subsequent payments are automatically collected according to the chosen plan.

4. Interest, fees & charges

Some plans are interest-free (0% APR); others carry interest (APR will be disclosed at checkout). Any fees, interest rates, and the total cost of credit will be shown to you before you complete your purchase.

5. Late, missed or failed payments

If a scheduled payment fails, the provider may attempt to collect payment again and may apply fees according to their policy. Missed payments may affect your eligibility for future plans and could be reported to credit reference agencies depending on the provider and plan.

6. Refunds & returns

Returns and refunds follow Great Fishing Tackle's standard returns policy. If you return goods paid for via instalments, we will process the refund with the instalment provider - your outstanding balance or future instalments will be adjusted accordingly. The treatment of interest already paid depends on the provider's policy.

7. Credit checking & credit reporting

The provider may perform a credit check (soft or hard) as part of assessing eligibility. Depending on the provider and plan, the account may be reported to credit reference agencies.

8. Early repayment

You may be able to repay your outstanding balance early. Early repayment may reduce the total interest payable. Check the provider's terms for how to repay early and whether any charges apply.

9. Lender & regulatory info

Credit is provided by the instalment provider and is subject to their terms and regulatory authorisations. Great Fishing Tackle is not the lender and does not control the provider's lending decisions.

10. Contact

If you have questions about your order or returns, contact Great Fishing Tackle via our Contact Form. For queries about your instalment plan, view the communications and account options provided by the instalment provider at checkout.

12 Month Repayment example

Please see the below repayment example of how Shop Pay Instalments works. Note that this is example is for illustrative purposes only. An accurate instalment schedule will only be provided during the checkout process.

Example payment breakdown (illustrative)

This is an example only. Actual payment schedule, amounts and interest (if any) will be shown to the customer at checkout.

Payment # Due date (example) Amount Notes
1 At checkout £150.00 Initial payment — charged at purchase
2 1 month later £37.50 Auto-charged to the same payment method
3–12 Monthly £37.50 Remaining monthly instalments (example: 12-month plan)
Total paid £600.00 (example) (APR Inclusive)

APR Charges

Replayment plans scheduled for longer than 3 months will be subject to APR charges. APR is variable up to 35.99% with a 22% Representative APR offered to most customers. APR is calculated automatically by Shop Pay during checkout. This will be based on your borrowing requirements and credit history.

For accurate repayment rates and exact APR charges, please navigate through the checkout process.