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Rubber Resistance Band - 75lbs Green
Man SMAI Studio Shoot
Man SMAI Studio Shoot
A man in a gray t-shirt and black shorts performs a push-up with the SMAI Rubber Resistance Band - 75lbs looped around his shoulders, increasing the intensity. He holds a plank position on a smooth white floor, demonstrating strength and stability.
SMAI Studio Shoot
Rubber Resistance Band - 75lbs Green
Man SMAI Studio Shoot
Man SMAI Studio Shoot
A man in a gray t-shirt and black shorts performs a push-up with the SMAI Rubber Resistance Band - 75lbs looped around his shoulders, increasing the intensity. He holds a plank position on a smooth white floor, demonstrating strength and stability.
SMAI Studio Shoot
20% OFFHHG-POWER-75lb

Rubber Resistance Band - 75lbs

$22.00$22.00
63 Reviews
Low Stock! Only - left In Stock Out of Stock - ETA: UNAVAILABLE
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Product Description Warranty, Shipping & Returns

GENERAL WARRANTY

All products sold by SMAI have a manufacturing warranty that covers the structural integrity of the product, and so long as the equipment is fit for its intended purpose (this excludes clearance items). If your product turns out to be faulty or damaged, SMAI will repair, replace or refund the item; unless (but not limited to):

  • The product has not been used for its original intended purpose
  • Normal wear and tear
  • Cosmetic damages
  • Misuse
  • Incorrect installation/assembly
  • Improper storage
  • Poor maintenance
  • Outside the warranty period
  • Lack of proof of purchase

Unless otherwise specified on the product page there is a unique product policy, all products have a 3 month manufacturing warranty, starting from date of invoice.

Our goods come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

Please be advised that it is the responsibility of the purchaser to ensure correct installation and maintenance of the products, and inform further users or clients of proper equipment usage and handling. We recommend that you conduct regular equipment audits to ensure that all your products are correctly maintained and replaced as required.

2024 Peak Shopping Season Information
November - December 2024


Delayed dispatch times from normal - 3-5 days from date of order. 

Peak shopping season has now arrived. We are experiencing very high demand for our products, and our dispatch times will be slower then normal. 
Dispatch times are currently 3-5 days. Please keep this in mind when ordering. 

Our team is working hard to ship orders as quickly as possible. Once your order is shipped, please check your tracking number with your courier. Please allow additional 2-4 days transit time during peak shopping seasons.  


Shipping is calculated at checkout.

Add your item to cart, then proceed to checkout to see your shipping costs. 

All orders leave warehouse within 1-2 business days. 

Shipping times are typically 2 - 6 days, orders shipping to Western Australia may take up to 10 days.  

Our staff appreciate your kindness and understanding when making shipping enquiries. 

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    1. When will my order be dispatched?
    2. How long does delivery take?
    3. How much does delivery cost?
    4. How can I track my order?
    5. Can I change my delivery address after my order has been placed?
    6. What services are not included in my shipping cost?
    7. What is a tailgate service?
    8. How will I know when my order is on the way?
    9. Will I have to sign for delivery?
    10. What if my goods arrive damaged?
    11. What if I am not home when my order arrives?
    12. What is covered by my Transit Insurance?
    13. What is SMAI not liable/responsible for?
    14. Do you deliver to PO Boxes, Military addresses or parcel lockers?
    15. Can my order be delivered to a depot?
    16. Can I pick up my order?
    17. Do you deliver to remote areas in Australia?
    18. Do you ship to New Zealand?
    19. Do you ship internationally?
    1. When will my order be dispatched?

    Your order will be dispatched within 1-2 business days. During peak times there may be delays. Our distribution centre is located in Wollongong, NSW, and is closed on weekends and public holidays.

    2. How long does delivery take?

    All orders are dispatched from Wollongong, NSW. We use a mix of shipping carriers best suited to your order size, weight and destination. In general, after leaving our warehouse, shipping will take 1-6 days to major cities across Australia, depending on your location. Regional and rural areas may take longer as 3rd party contractors may be engaged for the delivery. Please note that 98% of deliveries are completed on time. Your delivery may be delayed due to unexpected volume increases or other delays outside of our control.

    For larger items or multiple pallets, we use the Main Freight Express service which may take 1-2 days longer, depending on your location.

    3. How much does delivery cost?

    Shipping is calculated at the cart stage during checkout, taking into calculation the quantity or items ordered, the weight, and the dimensions.

    4. How can I track my order?

    Once we have packed and dispatched your order, we will send you a confirmation email with a courier information and tracking number.

    Note: Tracking details may need some time to appear. If tracking information does not appear initially, please come back later and check again.

    5. Can I change my delivery address after my order has been placed?
    Unfortunately we cannot change your delivery address after you have been charged. Please carefully check over your order and shipping information before completing your order.
    6. What services are not included in my shipping cost?

    - Change of address
    - Remote delivery
    - Hand off load
    - Re-delivery
    - Failure to pick up of your order from your nearest depot within 48 hours
    - Crane delivery
    - Delivery inside premises. All deliveries are kerbside / or where accessible, to door only

    If required, you will be charged additional costs by the courier company.

    Your shipping charges on the website includes tailgate service and subsequent delivery (if required), unless otherwise stated in your quote/invoice.

    7. What is a tailgate service?

    Tailgate service is offered for bulky or overweight orders and where no off-loading facilities are available (i.e. forklift or loading dock).

    If a tailgate service is required, we will request further shipping instructions including your opening hours, receiver name and number, delivery access and drop off point for signature.

    Additional information for tailgate services:

    Tailgate trucks are only designed to deliver to a large open area with at least 8m clearance. The maximum length of a pallet that can be tailgated is 2.3m. Any pallet over this size must be offloaded by a forklift.

    Pallets requiring a crane offload e.g. Boxing rings and MMA cages – will need at least 11m clearance.

    If your business or residence falls within any of the below issues – your delivery will be void and sent back to the nearest servicing depot – extra fees will apply.
    - Steep driveways
    - Narrow roads (permitting trucks to enter)
    - Main road for delivery is a clearway or is signed as a no stopping zone
    - Less than 8m clearance for tailgate trucks
    - Less than 11m clearance for Crane assisted deliveries
    - Closed during 9am-5pm weekday
    - If there are no receivers to sign and assist.

    All pallets sent by SMAI require a receiver’s signature – no pallet goods can be left unattended. Incorrectly supplied delivery information may result in 2nd delivery attempt and additional shipping charges. Some shipments will require delivery via Hiab (crane). The final decision for crane deliveries lies with the Freight Company’s logistic manager. If your delivery has been set up as a tailgate and a crane service is required by your local servicing freight company then the additional fee for a crane delivery will need to be paid by the receiver prior to delivery. Please note that the original freight charge is not refundable.

    At SMAI we have a duty of care to all our customers. When ordering heavy objects and machines we will always professionally pack and secure the items accordingly. We always indicate the amount of individual items on each pallet and request the receiver/customer to account for this label on the outside of the pallet. You/a receiver must sign for goods.

    If the shipment is damaged, you and the driver must acknowledge this on the consignment note. You are responsible for checking the breakdown and quantity of items on pallets.

    Pallets are only delivered to large ground floor loading areas.

    8. How will I know when my order is on the way?

    Once you receive your tracking number, you can login to the freight company's website and elect to receive email notifications where available. Please note that tracking details may need some time to appear.

    It is often difficult to estimate a time of delivery. Therefore, we recommend you nominate a business address for shipping to ensure you are able to receive your goods on first delivery.

    9. Will I have to sign for delivery?

    Unless you are receiving a palleted shipment, You will no longer need to sign for your delivery. By placing an order with SMAI, you provide authority from you to delivery the goods without signature on delivery, SMAI and the courier release all responsibility and liability for any loss or damages that may occur after delivery. Any claims for transit insurance will also be voided.

    10. What if my goods arrive damaged?

    We make all efforts to ensure that the goods are shipped in sufficient packaging as to not get damaged in transit, however, should you receive a damaged parcel, please follow the steps below to make a Transit Insurance Claim.

    1. Make a note on the Consignment Note when receiving the delivery of the damage and/or unsatisfactory condition of the package.
    2. Contact Us within 48 hours after receiving the package. Claims received outside of the 48 hours will be deemed as ‘storage damages’, and will be void.

    11. What if I am not home when my order arrives?

    When organising shipping of your goods, try to ensure to (where applicable) you choose a business address for your delivery to be sent to. This way someone can be there to sign and accept the delivery through the hours of 9am-5pm.

    At checkout you will also be able to select an option for delivery should no one be available to sign for your order. By agreeing to leave the order unattended (or with reception), you agree that SMAI is not liable for any claims for transit insurance.

    12. What is covered by my Transit Insurance?

    All orders that are signed when received are covered by Transit Insurance. This includes any loss, damages or theft occurring before the package reaches your door.

    13. What is SMAI not liable/responsible for?

    SMAI is not liable/responsible for (but not limited to) the following:

    - Delays
    - Loss that can occur in transit and delivery
    - Local disruptions
    - Weather
    - Accidents
    - Location
    - Authorization of your goods to be left without a signature (risking your delivery to arrive damaged in transit without knowing, exposed to possible theft or if the driver feels it is unsafe to leave as instructed meaning your goods will be taken back to the nearest depot to collect)
    - Inadequate off-loading facilities
    - Inaccessible areas
    - Estimated time of arrivals

    14. Do you deliver to PO Boxes, Military addresses or parcel lockers?

    No, we do not.

    15. Can my order be delivered to a depot?

    No, shipping addresses cannot be a depot, unless you live in a remote area. 

    16. Can I pick up my order?

    Yes, you can select this option at checkout. Our warehouse is open from the hours of 9am - 4:30pm Mon-Fri and our address is:

    SMAI Warehouse
    93 Jardine Street
    Fairy Meadow, 2519
    NSW Australia

    3rd Party Courier pickups please note: 3rd Party couriers are not authorised to collect your order unless SMAI is notified in advance of the pickup. Notification must include estimated pickup day / time, packing/courier labels and courier company details. For your security, orders will not be released to third parties without prior consent by you, the customer and is at your own risk. 

    17. Do you deliver to remote areas in Australia?

    If you live in a remote area or are not sure of your local depot, please Contact Us before completing your order. In most remote locations, you will need to put the local drop off point as your shipping address.

    18. Do you ship to New Zealand?

    Yes, we do ship to New Zealand. 

    You can use our normal checkout for most orders. Note bulky items are not available for international delivery. All import taxes or duties are the responsibility of the purchaser. You may incur additional import costs that will be payable before the carrier will make final delivery.

    Unclaimed packages - if you do not rectify any taxes, duties or delivery issues in a timely manner, the package will be returned to us and you will not be reimbursed any shipping or product costs. 

    SMAI are not liable for customs seizure of prohibited items. 

    19. Do you ship internationally?

    Yes, we do ship internationally. There are some exclusions - see list below.  You can use our normal checkout for most orders. Note bulky items are not available for international delivery. All import taxes or duties are the responsibility of the purchaser. You may incur additional import costs that will be payable before the carrier will make final delivery. The shipping carrier will notify you if there are additional costs before delivery. 

    Unclaimed packages - if you do not rectify any taxes, duties or delivery issues in a timely manner, the package will be returned to us and you will not be reimbursed any shipping or product costs. 

    SMAI are not liable for customs seizure of prohibited items. 

    SMAI does not deliver to the following countries: Albania, Bosnia And Herzegovina, Bulgaria, Congo, Congo The Democratic Republic Of The, Côte d'Ivoire, Croatia, Kosovo, Liberia, Macedonia, Republic Of, Montenegro, Romania, Serbia, Syria, Zimbabwe, Cuba, Iran Islamic Republic Of, Iraq, Korea Democratic People's Republic Of, Libyan Arab Jamahiriya, Sudan.

    1. Can I return my item?
    2. How do I return an item?
    3. When does the restocking fee apply?
    4. How do I know if you have received my return?
    5. What items are excluded from the returns policy?
    6. What do I do if my item is faulty?
    7. What do I do if I haven’t received my order?
    8. What do I do if my order is missing items?
    9. What do I do if I received the wrong item?
    10. How will I be refunded?
    11. When will I receive my refund?
    12. Are shipping costs refundable?
    13. How do I exchange an item?
    14. What if I need my exchanged item to arrive sooner?
    1. Can I return my item?

    Yes, we offer 14 day returns for change of mind or claims against the discrepancies with orders.

    To be eligible for a return, your item:

    - Must be unused and in the same condition that you received it
    - Must be returned within 14 calendar days of receiving the order (or if pickup is selected, a return must be initiated within 14 days of placing the order) 
    - Must be in its original packaging
    - Must have the receipt or proof of purchase (please enclose in return)

     Items not eligible for return:

    - Items on sale / clearance / end of the line
    - Requests received after 14 days of receiving your order
    - Pickup orders not collected with 14 days of placing order
    - Items used or not in original condition and packaging
    - Items with no receipt of purchase

    About the re-stocking fee

    - If you do not meet the above criteria, at our discretion, we may accept a return, however a restocking fee will apply. See point 3. for more detail.

    2. How do I return an item?

    To submit a request for return, please email sales@smai.com.au. Please note you will need to include the original invoice number in order to avoid delays in processing.

    You will be responsible for paying your own shipping/insurance/packing/tracking costs for the return of your item. Please note, our shipping costs are non-refundable.

    Please address returns to:
    SMAI Pty Ltd
    Attn: Returns
    93 Jardine Street
    Fairy Meadow NSW
    2519 Australia

    Please note that goods must be returned within 2 weeks after SMAI has authorised the return. Returns received outside this period will be returned back to you and redelivery charges will apply.

     

    3. When does a restocking fee apply?

     If your return request does not meet our policy requirements, (eg, if the original packaging is missing, outside 14 day returns window) etc, then, we may at our discretion, accept the return, however a re-stocking fee will applies. The fee is determined according to the returned item and will be calculated during the returns process. The fee will be deducted from your refund amount. 


    The restocking fee covers the administration costs, repackaging materials costs and warehousing costs to accept a return, that does not meet the returns policy. 
    Returns outside the policy are soley at the discretion of SMAI and may be refused.  
    4. How do I know if you have received my return?

    Once we receive your returned item, we will inspect and process your return. If your return is approved, we will initiate the refund/exchange.

    For refunds, you will receive an email with the refunded amount.

    For exchanges, you will receive an email with the exchange order confirmation.

    Should your item not satisfy our returns policy, we will contact you to arrange return of the item back to you. Please note it is your responsibility to pay for all shipping costs associated with the returns.

    5. What items are excluded from the returns policy?

    - Items on sale / clearance / end of the line
    - Requests received after 14 days of receiving your order
    - Items used or not in original condition and packaging
    - Items with no receipt of purchase

    6. What do I do if my item is faulty?

    Please read our Warranty Policy and ensure you have understood the terms and conditions of your warranty. If you are satisfied that your product can be claimed, please email sales@smai.com.au to submit a claim.

    7. What do I do if I haven’t received my order?

    First, search for your tracking number on our courier site. You should have received a tracking number within 2 business days after purchase. If you did not receive a tracking number, please Contact Us.

    If you believe there has been an error with your delivery, please contact your courier company, or otherwise Contact Us and include your invoice number and tracking number so that we can follow up the issue for you.

    Please note, sometimes your tracking info may be updated to ‘Delivered’ and you have not yet received your order. Occasionally, the Courier may have scanned your parcel before delivery, and in some cases, your order may be delivered 1 or 2 business days after scanning. If it has been more than 2 business days since your parcel has been marked as ‘Delivered’, please Contact Us and include your invoice number and tracking number and we will follow up the issue for you.

    8. What do I do if my order is missing items?

    First, please check your tracking confirmation email. If you have a large or bulky order, your order may have been shipped in more than 1 parcel and may not arrive together. If you believe a mistake has been made, please Contact Us and include your invoice number and tracking number.

    9. What do I do if I received the wrong item?

    Please Contact Us immediately on sales@smai.com.au and include your invoice number, as well as a photo of the incorrect item received in error. We will follow up as quickly as possible to ensure you receive your correct item.

    10. How will I be refunded?

    You will receive a refund to your original payment method, such as the credit card or gift card which you used to pay for the order.

    11. When will I receive my refund?

    Once we receive your returned item, we will inspect and process the goods within 48 hours to ensure it satisfies our return policy. Once we have deemed your goods have been returned in satisfactory condition, we will process your refund to your original payment method. You will be notified via email when your refund has been processed.

    Please note, however, your refund may take 1-5 business days to appear in your account, depending on your bank provider. Unfortunately, this processing time is out of our control. Any issues following receipt of your refund confirmation email will need to be followed up with your bank provider.

    12. Are shipping costs refundable?

    Shipping costs are non-refundable. If you request a refund for your item, your refunded amount will only be for the items, and not include shipping costs.

    13. How do I exchange an item?

    To exchange your item (i.e. for a different size, colour etc.) you will need to ensure the item you are exchanging satisfies our Returns Policy. 

     

    To be eligible for an exchange, your item:

    - Must be unused and in the same condition that you received it
    - Must be returned within 14 calendar days of receiving the order
    - Must be in its original packaging
    - Must have the receipt or proof of purchase (please enclose in return)

     Items not eligible for return:

    - Items on sale / clearance / end of the line
    - Requests received after 14 days of receiving your order
    - Items used or not in original condition and packaging
    - Items with no receipt of purchase

    To submit a request, please Contact Us. Please note you will need to include the original invoice number, as well as your desired exchange item (colour, size etc.) in order to avoid delays in processing.

    You will be responsible for paying your own shipping/insurance/packing/tracking costs for the return of your item, as well as shipping costs on the desired exchange item. Our shipping costs are non-refundable. SMAI are not liable for any loss or damages that can occur during transit during the return of your item, therefore, we recommend you purchase additional insurance and/or tracking to ensure the item is returned in satisfactory condition.

    Please address returns to:

    SMAI Pty Ltd
    Attn: Returns
    93 Jardine Street
    Fairy Meadow NSW 2519
    Australia

    Once we receive your return, we will inspect the item and process your exchange within 48 hours.

    14. What if I need my exchanged item to arrive sooner?

    If you need the item urgently, please submit a new order on www.smai.com.au. You can then complete the process for Return & Refund of your original order.

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    PRODUCT FEATURES
    PRODUCT FEATURES
    Description

    Resistance bands go by many names, but whatever you call them there is no denying the incredible benefits they can add to any workout. Originally created to assist or increase a loads resistance when performing exercises, they are now being used in ever more challenging ways. Whether you call them powerbands, power loops, fitness bands or resistance bands, they help athletes overcome speed or sticking point issues by pinpointing muscle groups. Adding to their functionality they can also be used in rehab or warm-up as a stretching tool to increase range of motion.

    When used on an abrasive surface the bands can deteriorate quickly and snap. Bands should be inspected regularly for any visible wear and tear. In case of visible damage, please remove from use and replace immediately.

    Bands are recommended to be used at a max. of 100% stretch (e.g. 103cm band should only be stretched to 206cm). Stretching beyond this limit is dangerous and not recommended.

    Specifications

    • Made of rubberised silicone
    • Resistance approx 75lb
    • Size 103cm x 4.5cm x 4.5mm
    specifications
    • Made of rubberised silicone
    • Resistance approx 75lb
    • Size 103cm x 4.5cm x 4.5mm
    Resistance Band Guide

    Resistance Bands, Power bands, Booty Bands - whatever you like to call them - you cant deny power bands are now ubiquitous in gyms and training. The range of lengths and materials of resistance bands has only grown and it’s well worth a fresh look to see what’s new in our guide to using resistance bands.

    Why should I Use resistance bands?
    We’ve all seen them… just hanging on a hook or draped over equipment, looking more like colourful gym confetti rather than a powerful training tool. Perhaps you’ve even used them to stretch, help with pull-ups or even tie down weights (impressive!!!). However, the benefits and application of power bands are huge and applicable to everyone. Read our guide on the benefits of power bands.

    Best Resistance Band Exercises
    We’ve put together a guide to the 10 most beneficial resistance band workouts. Check it out now!

    Popular

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    Popular

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    What our customers are saying...
    Write a Review
    average rating 4.8 out of 5
    Based on 63 reviews
    • 5 Stars
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      1 Review
    98% of reviewers would recommend this product to a friend
    Quality
    Rated 4 out of 5
    Size
    Rated 4 out of 5
    Value
    Rated 4 out of 5
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    63 Reviews
    Reviewed by Samer E.
    Verified Buyer
    Rubber Resistance Band - 200lb
    Reviewing
    Rubber Resistance Band - 200lb
    I recommend this product
    Rated 4 out of 5
    Review posted

    Stretching out the pain away

    One of the best Rubber Resistance Bands I’ve ever used! Especially in this stretch weight! Definitely helps with muscle recovery and soreness load before leg day commences

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    Quality
    Rated 4 out of 5
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    Rated 5 out of 5
    Value
    Rated 3 out of 5
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    Reviewed by Sam Z.
    Verified Buyer
    Rubber Resistance Band - 10lb
    Reviewing
    Rubber Resistance Band - 10lb
    I recommend this product
    Rated 4 out of 5
    Review posted

    Top Notch Quality Bands!

    Ordered two of these 10lb Resistance Bands for my weightlifting platform primarily for sustainable deadlift sessions and plate-less warmup barbell perp lifts to prevent injuries and so far I have no complaints about their durability. Definitely recommend these bands!

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    Quality
    Rated 5 out of 5
    Size
    Rated 4 out of 5
    Value
    Rated 4 out of 5
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    Reviewed by Dominic M.
    Verified Buyer
    Rubber Resistance Band - 10lb
    Reviewing
    Rubber Resistance Band - 10lb
    I recommend this product
    Rated 5 out of 5
    Review posted

    SMAI Resistance bands

    I use the The SMAI Resistance Bands for a variety of different exercises for my PT Clients including Side Crab Walks and Assisted Chin Ups and Dips.

    Highly recommend!

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    Quality
    Rated 5 out of 5
    Size
    Rated 5 out of 5
    Value
    Rated 5 out of 5
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    Reviewed by Sam Z.
    Rubber Resistance Band - 10lb
    Reviewing
    Rubber Resistance Band - 10lb
    I recommend this product
    Rated 4 out of 5
    Review posted

    Feels Indestructible

    I use a pair of these resistance bands for my deadlifting sessions on my weightlifting platform and so far they don’t show signs of any wear and tear.

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    Quality
    Rated 4 out of 5
    Size
    Rated 4 out of 5
    Value
    Rated 5 out of 5
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    Reviewed by Joanne M.
    Verified Buyer
    Rubber Resistance Band - 25lb
    Reviewing
    Rubber Resistance Band - 25lb
    I don't recommend this product
    Rated 1 out of 5
    Review posted

    Not what I thought

    This band was not described well. Thinking I had ordered a tough band for leg side steps, this is huge! I sent an email requesting an exchange and never heard back on how to return & exchange this. Rip off!

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    SMAI

    Hi Joanne,

    Thanks for your review, and I'm sorry to hear you had a poor experience. I can see our team responded on 22nd December with details on how to process a return. Could you check for the message, perhaps in your spam email? If you do still wish to process an exchange, please email us on hello@smai.com and mention this message, I will still honour the return. Regards, Patrick.

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    1. Select Afterpay as your payment method

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    3. Pay over 4 equal instalments

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    1. Select Zip Pay as your payment method

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    1. Select Procuret at check-out

    Complete a quick 2 minutes setup

    3. Pay over your chosen instalments period

    Afterpay offers simple and affordable instalment plans for online purchases of up to $2000. The payment platform allows you to purchase in four equal instalments, due every 2 weeks. For example, if you purchase an item for $200, you pay 4 instalments of $50. There is no additional cost to use Afterpay so long as you pay on time. All of your payments are interest-free and you will receive your order straight away. Learn more.

    1. Select Afterpay as your payment method

    2. Follow Prompts to create an Afterpay account

    3. Pay over 4 equal instalments

    Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. No upfront payments and interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments to suit your lifestyle. Easy as. Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping online and instore, wherever you see Zip at checkout. Learn more.

    1. Select Zip Pay as your payment method

    2. Follow Prompts to create an Zip Pay account

    3. Pay over your chosen instalments period

    Procuret is a fast, flexible and secure digital payment solution built for small businesses to better manage their cash-flow. Procuret helps you purchase the products you need for your business and pay for them in manageable instalments. Procuret’s frictionless way to pay allows you to match the value generated from your business purchase with a monthly payment. Learn more.

    1. Select Procuret at check-out

    Complete a quick 2 minutes setup

    3. Pay over your chosen instalments period
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