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Personal Credit Account


Open a Personal Credit Account and only pay for the stuff you keep‡.

Credit is subject to status. Terms and conditions apply^

^Apply now

24.9%APR Variable.

Get 25% off* your first order

Why open a JD Williams personal account?

Have it now and pay later‡

Order as much as you like up to your credit limit and only buy what you love. The JD Williams Personal Credit Account means you can have it now, and pay later‡

Spread the cost**

Either spread the cost of your purchase over smaller, managable chunks or pay in full within 21 days of your 1st statement date - the choice is yours

25% off* your first order

When you open a JD Williams Personal Credit Account get 25% off* your first order.

Easy two-click checkout

With your account details securely stored, you won’t have to hunt around for your card and you’ll be all checked-out in two easy clicks

Key Facts

Opening a Personal Credit Account allows you to spread the cost of the items you’ve bought. We’ll send your first statement within 28 days of opening the account and every 28 days after that. Your statement will explain exactly how much you’ll need to pay, and when.

Making a payment is easy! We offer lots of payment options, so you can choose the most convenient for you. As well as flexible payment options, you can choose to pay the minimum payment amount due on your account, a higher amount of your choice, or pay the full balance.

How to create an account


Select ‘Apply for a personal credit account’ when you check out or
click here


Fill out our 3 minute application form. All you need are your address and contact details


You’ll get an instant decision, meaning if you are accepted you can start shopping straignt away!

*25% discount offer open to credit or non-credit customers opening a new account. Apply code JDW25 at checkout to receive your discount. Discount applies to fashion, homewares, lingerie and footwear only. Excludes clearance, sale, appliances, electricals and toys. Discount can only be used once and not in conjunction with any other offer. £30 minimum spend applies

‡ We’ll send your first statement within 28 days of opening your account and every 28 days thereafter, which will explain how much you’ll need to pay and when.

JD Williams & Company Limited trading as JD Williams. Registered in England No. 178367. Registered Office: Griffin House, 40 Lever Street, Manchester, M60 6ES is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 311618) for activities limited to the sale and administration of consumer credit and general insurance products, a list can be found on the FCA Register VAT Registration Number: 148 8796 03

Frequently Asked Questions

  1. What is a credit account?

    Opening a personal credit account allows you to spread the cost of the items you've bought. We'll send you a statement every 28 days, showing:

    • What's been sent to you
    • What you've returned
    • What you've paid
    • The balance remaining
    • The minimum payment required

    We offer a variety of options for you to make payments to your account, but the quickest and easiest way is via our website.


    • If you choose to make the minimum payment, or you pay less than the full outstanding balance, an interest charge will be applied to your account. This charge is calculated based on your statement's opening balance, any prior period interest due and any interest due on administration charges.
    • If you fail to make at least the minimum payment by the due date shown on your statement, you’ll incur an administration charge of £12.
    • If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.

    The exact terms that will apply to your account, including your APR (Annual Percentage Rate), will be detailed in your credit agreement. Subject to a successful online application, you can print and/or download the document to keep for future reference. If you apply via telephone, you’ll receive the document by post.

  2. When will I receive statements?

    Our statements are automatically issued every 28 days, and a payment is required every 28 days if there is a balance on the account. As this forms part of the terms and conditions for all of our customers, unfortunately we're unable to change the due date for your payment.

  3. When will I need to pay?

    If you have an outstanding balance on your account, we'll send you a statement through the post every 28 days. This will confirm your minimum payment and the date your payment needs to reach us.

    You can choose to pay the minimum payment on your account, a higher amount of your choice, or the full balance. Please see our terms and conditions for more information.

    You can check your balance at any time by signing in and clicking 'My Account'.

  4. How can I make a payment on my account?

    We offer a number of payment options, so you can choose the one that's most convenient for you

    • Via our website with credit or debit card
    • Direct debit
    • By phone with a credit or debit card
    • Standing order/telephone banking
    • At the Post Office
    • At your bank
    • Payzone

    You can also find our payment methods on the back of your statement.

    At the moment, we don't accept payments via PayPal.

  5. How will the Direct Debit work?

    You can set up a direct debit via our website by signing in and selecting 'Setup Direct Debit' from the 'My Account' menu.

    If you'd prefer to arrange this over the phone, please call 0871 231 2000 (calls cost 13p per minute plus your phone company's access charge). We're open from 8am-8pm Monday to Friday and 8am-6pm at weekends. You'll need to provide your bank name, account number and sort code.

    We can also send a direct debit mandate form to you through the post.

    Once your direct debit is arranged, a payment will be taken every 28 days, in line with our statement cycle - your statement will confirm the date that it'll be debited. You can pay a set amount, the minimum payment or the full balance on each statement.

    Just so you know, direct debits will show on your bank/building society statement under 'JD Williams'.

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