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Try it. Love it. Buy it.

Open a personal credit account and only pay for the stuff you keep.

Plus get 25% off your first order and pay no interest until September 2019*

Apply now

Representative 24.9%APR Variable

Credit is subject to status and creditworthiness. Terms and conditions apply.

4 Reasons to Open an Account

Buy What You Love

Order as much as you like up to your credit limit and only buy what you love. Some things can't wait for payday. The JD Williams personal account means you can have it now, and pay later

Pay, Your Way

You decide how you’d like to pay. Either spread the cost** of your purchase over smaller, manageable chunks or pay in full within 21 days of your 1st statement date and pay no interest – the choice is yours.

Stay in Control

With credit limit notifications, helpful payment reminders and ability to check your balance on the go - you’re always in control.

No Faff 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 little clicks.

Representative 24.9%APR Variable

**If you choose to spread the cost by opening a personal credit account, it will cost you more than if you
pay in full.

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.

Apply now

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*25% off your first order when you open a personal credit account. Discount applies to fashion, homewares, lingerie and footwear only. Excludes sale, outlet, large appliances, electricals and toys. Subject to a successful credit application, discount will be applied at checkout. It cannot be used in conjunction with any other offer. Pay no interest until September 2019. Representative 24.9%APR variable thereafter. Both offers available to new credit customers or existing non-credit customers switching to a credit account between 02.04.2019 and 02.07.2019 only. Credit is subject to status and creditworthiness. Terms and conditions apply. Please see below for full offer details. JD Williams & Company Limited. 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 https://register.fca.org.uk. VAT Registration Number: 148 8796 03.

Click for Full Offer Terms & Conditions

Who is eligible? - The offer is open to new personal credit account customers, and those converting their non-credit account to a personal credit account, who apply and are accepted between 2nd April 2019 and 2nd July 2019. This offer is not available to existing personal credit account customers.

How will interest be charged and when will I pay it? - You will not pay any interest until your September statement, providing that you pay at least the minimum payment by the payment due date shown on each previous statement. If you pay your full balance by the due date on your August statement, you will not pay any interest on your purchases. If you choose not to pay your balance in full by the due date on your August statement, your September balance will include; (i) interest charged on goods purchased between your August and September statement dates, from the date each purchase was applied to your account, and (ii) interest charged on the closing balance of your August statement.

Do I have to pay interest? -No, if you pay your full balance by the due date on your August statement, you will not pay any interest on your purchases.

What do I need to pay? - In order to keep your promotional interest rate, you must pay at least the minimum payment shown on any statements you receive by the payment date shown on the statement.

What happens if I pay late or miss a payment? - If you fail to make the minimum payment requested on your statement during the promotional period, the promotional interest rate will end, and you will be charged interest at the standard rate on the closing balance of your previous statement and on any purchases made since your previous statement, from the date each purchase was applied to your account . You may also be charged a £12 administration fee in accordance with our credit terms and conditions.

What else do I need to know? - If you choose not to pay your balance in full by the due date on your August statement, your September balance will include; (i) interest charged on the closing balance of your August statement. (ii) interest charged on purchases made between your August and September statement dates, from the date each purchase was applied to your account.

What does the discount apply to? - 25% off applies to the first order made using your personal credit account. Discount applies to fashion, homewares, lingerie and footwear only. Excludes sale, outlet, large appliances, electricals and toys.

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