Their own payment-practices filing · gov.uk
Tesco Personal Finance PLC pays suppliers in 27 days on average — within its stated 7–45 day terms
Their H1 2026 filing puts the average 20 days past the shortest term they state (7 days), still within their 45-day upper term.
- Their stated terms
- 7–45 days
- Paid outside agreed terms
- 4% of invoices
- Paid after 61+ days
- 1%
- Reporting period
- 1 Mar 2026 – 31 Aug 2026
- Source
- their gov.uk filing, filed 28 Sept 2026
Self-reported figures from their statutory filing. How this is compiled.
Terms vs reality · their H1 2026 filing
Paid within their stated range — 27 against 7–45 days
Where their invoices landed · share of all invoices
The pattern · last 6 of 17 reports
23 → 27 days — slowing down
The read · computed from their figures
Tesco Personal Finance PLC's H1 2026 filing puts their average at 27 days against stated terms of 7–45 days; 4% of invoices were paid outside agreed terms and 1% took 61 days or longer. Filed 28 Sept 2026.
The direction is slower: from 23 days in H1 2024 to 27 now — 4 days slower across their last 6 reports.
On the latest reported averages: Slower than 68% of the 638 large companies reporting in financial services.
That is 17 statutory periods on record (earliest H1 2018) — a historical record, not a promise for a new invoice.
What they tell their suppliers
In their own words · from the filing
Standard payment terms
Invoices will be paid under the Contract within either 7 days (if the Supplier is a Small Supplier i.e. spend of <£100k p.a.) or 45 days (if the Supplier is a Larger Supplier i.e. spend >£100k p.a.) of receipt in the Accounts Payable Mailbox ([email protected]), or if hard copy by post, from the date received in Accounts Payable department, of an invoice which quotes the Purchase Order number.
Dispute resolution
Contracts with suppliers contain dispute resolution clauses bespoke to each of our supplier relationships, which should be followed. Alternatively, where, no contract exists, the Requisitioners named on the Purchase Order should be contacted, and the dispute will be progressed through the appropriate channel.
Every statutory report on record
Most recent first.
| Period | Avg days | Outside terms | 61+ days | Filed |
|---|---|---|---|---|
| H1 2026 | 27 | 4% | 1% | 28 Sept 2026 |
| H1 2026 | 24 | 5% | 0% | 30 Mar 2026 |
| H1 2025 | 24 | 13% | 3% | 22 Sept 2025 |
| H1 2025 | 20 | 11% | 1% | 21 Mar 2025 |
| H1 2024 | 24 | 6% | 0% | 23 Sept 2024 |
| H1 2024 | 23 | 9% | 1% | 25 Mar 2024 |
| H1 2023 | 24 | 11% | 2% | 25 Sept 2023 |
| H1 2023 | 23 | 12% | 1% | 24 Mar 2023 |
| H1 2022 | 22 | 7% | 1% | 23 Sept 2022 |
| H1 2022 | 22 | 3% | 0% | 25 Mar 2022 |
| H1 2021 | 22 | 3% | 0% | 27 Sept 2021 |
| H1 2021 | 23 | 3% | 1% | 30 Mar 2021 |
| H1 2020 | 23 | 6% | 1% | 28 Sept 2020 |
| H1 2020 | 23 | 7% | 1% | 26 Mar 2020 |
| H1 2019 | 28 | 5% | 1% | 27 Sept 2019 |
| H1 2019 | 23 | 6% | 2% | 26 Mar 2019 |
| H1 2018 | 23 | 10% | 2% | 26 Sept 2018 |
On the public register · Companies House
Company record
- Status
- Active
- Type
- Private Limited Company
- Incorporated
- 5 Mar 1997
- Registered office
- 2 SOUTH GYLE CRESCENT, EDINBURGH, EH12 9FQ
Illustrative · working-capital arithmetic
What a 27-day cycle ties up
A worked example, not a finding. On a hypothetical £12k/month account, at a 27-day vs a 7-day payment cycle.
Late Payment Act. The Late Payment of Commercial Debts (Interest) Act 1998 lets a supplier charge statutory interest and fixed compensation on invoices paid past agreed terms. Work out what a late invoice is worth → Whether it applies depends on your contract — check with an adviser.
Quick answers · Tesco Personal Finance PLC
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More large companies in financial services
TD Bank Europe Limited · Tesco Underwriting Limited · Tci Fund Management Limited · The Access Bank UK Limited · Tag Europe Limited · The Bank of New York Mellon (International) Limited
How UK payment reporting works
What is a Payment Practices Report?
What does "paid outside agreed terms" mean?
How often is this data updated?
Is this official government data?
How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.
The 31-day comparison figure is the median across 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).
Report PL-SC173199 · latest period to 31 Aug 2026
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