Buy now and pay later with Cadenza's flexible payment options. Choose to pay in 4 interest-free instalments, settle in full within 30 days, or spread it over time.
Get started with Cadenza
Choose from a range of fair, transparent and convenient payment plans.
Need longer to pay? Spread the cost across smaller monthly instalments. Terms from 6 to 24 months are available.2
Learn morePrefer to be done with it? Pay the whole amount at checkout with any card you already have saved.
Learn moreChoose the total amount of a purchase and see how the costs break down across the different payment options.2
Your purchase
£2,400
£600.00
Total cost: £2,400.00
£422.35
Total cost: £2,534.10
£221.06
Total cost: £2,652.72
This is an estimate of what your payments could look like. It is for illustrative purposes only and does not constitute a credit offer. Actual costs may vary depending on your credit application and terms.
Sign in to your Cadenza account to see your estimated spending limit under your profile, or check it in the app whenever you like. Get the flexibility you need to shop responsibly.
Check your limitYour spending limit is an estimate of how much you can spend. It is subject to approval at the point of purchase and depends on factors such as purchase history, payment history and purchase amount.
Benefits
You can still pay with Cadenza almost anywhere, in the following ways.
Pay over time with Orbit Pay when you shop online or in an app, on any phone or tablet you have it set up on.5
Learn more
38 million people use Cadenza to shop and pay their way.
The autopay reminders are the thing. I set the schedule once and haven't thought about it since.
Marisol R. — 14th of May 2026
Approval took under a minute and the instalment dates line up with my payday. No surprises at checkout.
D. Okafor — 2nd of May 2026
Returned a jacket and the refund cancelled the rest of the plan automatically. That's how it should work.
Priya N. — 27th of April 2026
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
Total you owe
£146
Manage your instalments and get due-date reminders wherever you are.
Download the app:
Here are some questions we get asked about Cadenza.
1 See payment terms. A higher initial payment may be required for some customers. Consumer credit is arranged by Cadenza Financial Services Ltd, authorised and regulated by the Financial Conduct Authority.
2 A £6,000 purchase might cost £552.70 per month over 12 months at 18.90% APR. Rate ranges from 6.99% to 29.99% APR, based on creditworthiness, and is single and subject to credit approval, resulting in full example. Actual monthly payments may be higher or lower depending on the terms of your plan.
3 Cadenza balance account required and funds can only be used within the Cadenza app. Issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions or other factors beyond our control.
4 Cadenza reserves the right to decline a purchase at any point. Late payments may affect your credit file and your ability to use flexible payments in future.
5 One-time card usage is limited to a single purchase and cannot be split across multiple retailers. Refunds are returned to the original payment method within 14 days of the retailer confirming the return.
Monthly financing through Cadenza and one-time card instalments with a service fee to shop anywhere in the Cadenza app are issued by Marchmont Bank. This is a loan solicitation only. Cadenza Financial Services Ltd is not the lender. Information received will be shared with one or more third parties in connection with your loan enquiry. The lender may not be subject to all lending laws of your country of residence.