Buy Now Pay Later

Buy Now, Pay Later (BNPL) Policy

At Fishe and Lilly, we want to make creating your dream home as easy and accessible as possible. To help you spread the cost of your furniture, we have partnered with select third-party Buy Now, Pay Later (BNPL) providers (such as Klarna, Clearpay, Shop Pay, and PayPal) to offer flexible payment options at checkout.

As part of the UK’s new Financial Conduct Authority (FCA) regulations coming into effect on 15 July 2026, the BNPL market is changing to offer you better protection, greater transparency, and safer borrowing. Here is everything you need to know about using BNPL on our website.

1. How It Works

When you reach the checkout, you will have the option to select a BNPL provider to split the cost of your order into smaller, interest-free instalments.

  • Please note that the BNPL agreement is made directly between you and the third-party lender, not Fishe and Lilly.

  • All BNPL options are subject to the lender's specific terms, conditions, and approval processes.

2. Affordability Checks

To protect your financial well-being and comply with new FCA rules, our BNPL partners are required to carry out proportionate affordability checks before approving your transaction. This means the lender will conduct a quick assessment to ensure the repayment schedule is manageable for you before you can complete your furniture purchase.

3. Your Enhanced Consumer Protections

We welcome the FCA’s new regulations, which grant you the same robust protections as traditional credit users. For BNPL agreements entered into from Summer 2026 onwards, you will benefit from:

  • Section 75 Protection: For furniture purchases costing between £100 and £30,000, your BNPL provider will be jointly liable with us. If something goes wrong with your order, you are protected by Section 75 of the Consumer Credit Act.

  • The Financial Ombudsman Service: If you have an unresolved dispute or complaint with your BNPL provider, you now have the right to escalate it to the independent Financial Ombudsman Service (FOS) for impartial review.

4. Borrowing Responsibly & Missed Payments

While BNPL is a fantastic tool for managing cash flow, it is a form of credit. We encourage all our customers to borrow responsibly and only spend what they can comfortably afford to repay.

  • Clear Information: Before you sign anything, your lender will provide you with clear, upfront information detailing your exact repayment amounts, the dates they are due, and what happens if a payment is missed.

  • Missed Payments: Failing to make your repayments on time may result in late fees, and it could negatively impact your credit score, making it harder or more expensive to obtain credit in the future.

5. Financial Support & Guidance

If your circumstances change and you find yourself struggling to keep up with your BNPL repayments, please contact your BNPL provider immediately. Under the new FCA Consumer Duty rules, lenders are required to offer you support and forbearance.

If you are experiencing financial difficulty or need free, impartial advice regarding debt, we highly recommend reaching out to MoneyHelper or Citizens Advice.

Need to contact us?

If you have a question about how BNPL works on our website, or need help with an order you have already placed using a BNPL service, our team is happy to help:

  • Email: support@fisheandlilly.com

  • Phone: +44 01530 784970