See your buy now pay later payments together
Buy now pay later bills can pile up. Pop in each plan and your payday to see what's due between paydays and when you'll owe the most.
FCA buy now pay later rules from 15 July 2026. Checked 11 November 2026.
If payments feel too much, talk to a debt charity.
Your plans
Payments between your paydays
Based on three example Christmas plans and payday on the 28th. Tap or change anything above to see your own.
Free help with debt
If the payments feel too much, you can talk it through with someone. These services are free and confidential.
- StepChange Debt Charity
You can get free debt advice online or by phone. Call free on 0800 138 1111
- National Debtline
Speak to a debt adviser for free, or use their online help. Call free on 0808 808 4000
- Citizens Advice
Find free help with your debts online. You can also speak to someone by phone or in person.
- MoneyHelper
Find clear help with money, free of charge and backed by the government.
- Christians Against Poverty
You can get free help with your debts, whatever your faith or beliefs.
If you miss a payment
- Since 15 July 2026, FCA rules cover new plans where the lender and shop are separate businesses. Lenders must check you can afford the payments.
- The lender must tell you what you owe and what a missed payment could mean. If reported, it can show on your credit file.
- If you fall behind, the lender must offer support and tell you about free debt advice. Complain to the lender first, then the Financial Ombudsman Service.
See the FCA's guide to buy now pay later for the full rules.
Method and sources
How it works
- We split each plan into equal payments. Any extra pennies go in the first payment.
- Weekly payments are 7 days apart. Payments every 2 weeks are 14 days apart. Monthly payments use the same date, or the last day of shorter months.
- A pay month runs from payday to the day before the next. We do not move paydays for weekends or bank holidays.
- A tight month has more due than average, compared in whole pounds. Months with no payments count in the average.
- We assume on-time payments with no late fees. Use your lender's dates and amounts when paying.
- The sums stay in your browser. Nothing you enter is saved or sent.
Sources
- FCA, Buy Now Pay Later (consumer page, last updated 6 August 2026)Rules since 15 July 2026, missed payments, support, complaints and refunds.
- FCA, PS26/1 Regulation of Deferred Payment Credit (February 2026)CONC 7.20.1R covers missed payment notices. CONC 7.20.3R covers notice, early payment and debt help.
- FCA, Regulating Buy Now Pay Later (BNPL) (last updated 15 July 2026)Plans covered by FCA rules. Plans from before 15 July 2026 stay unregulated.
- FCA Firm CheckerCheck a lender's FCA status.
- StepChange Debt Charity, National Debtline, Citizens Advice, MoneyHelper and Christians Against PovertyContact details for each service.
Built by Paul Gillooly, Founder, PJG Financial. Figures last checked 11 November 2026; next check when the FCA changes its buy now pay later rules.
Press and data enquiries go to press@dotdotloans.co.uk
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