Spread the cost of orders up to £30,000
Set up an approved spending limit in minutes and split the cost of your next Maxshelf order — £0 due for the first 30 days, no impact on your credit score.
Get approved, then shop as usual
Set your spending limit
Apply for an approved iwocaPay spending limit of up to £30,000 ahead of your next purchase. It takes a few minutes online and won't affect your credit score.
Order from Maxshelf
Use as much or as little of your approved limit as you like, on any order between £150 and £30,000 — no need to reapply each time.
Choose your payment plan
At checkout, select Pay in 30, Pay in 3, or Pay in 12 and spread the cost in a way that suits your cash flow.
Estimate your instalments
Payment Estimator
Move the slider to your order value
See roughly what each iwocaPay plan could look like. Figures are for illustration only — your exact terms are confirmed by iwocaPay when you apply.
Pay in 30
We get paid right away. You don't pay a penny for the first 30 days.
Pay in 3
3 equal monthly instalments, starting after your first interest-free 30 days.
Pay in 12
12 equal monthly instalments. Representative rate confirmed at application.
Estimates use iwocaPay's published representative rate (3.33% per month on Pay in 12) and are rounded for clarity. They are not a credit offer or quote.
Three ways to pay
| Plan | Pay in 30 | Pay in 3 | Pay in 12 |
|---|---|---|---|
| Cost | Interest free | Interest free | 3.33% per month representative |
| First 30 days | No payment due | No payment due | No payment due |
| Repayment structure | Full amount due on day 30 | 3 equal monthly instalments | 12 equal monthly instalments |
| When Maxshelf is paid | Right away | Right away | Right away |
| Best suited to | Short-term cash flow gaps | Spreading a mid-size order | Larger orders & fit-outs |
Questions about iwocaPay
Read the FAQs
iwocaPay has a full FAQ covering eligibility, repayments and how Pay Later works in detail.
View iwocaPay FAQs →Speak to iwocaPay
Get stuck during sign-up, or want to talk through your options with an account manager?
Call 020 3778 0549Speak to Maxshelf
Questions about your order, stock or delivery while you set up your spending limit?
Call 020 8807 7966
Ready to spread the cost?
Set up your iwocaPay spending limit today and choose how you pay on your next Maxshelf order — with no impact on your credit score.