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Try it. Love it. Buy it.

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

Plus get 25% off* your first credit order and pay no interest until March 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 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.

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*25% off discount applies to fashion, footwear and homeware only. Excludes outlet, sale, appliances, electricals and toys. Pay no interest until March 2019. New credit customers applying by 7 January 2019. Representative 24.9%APR variable thereafter. Discount will be applied at checkout subject to a successful application. Credit subject to status and creditworthiness. Terms and Conditions apply. JD Williams & Company Ltd is authorised and regulated by the Financial Conduct Authority and can be found on the Financial Services Register. Firm Reference Number 311618. Registered office, Griffin House, 40 Lever Street, Manchester M60 6ES. Registered in England No. 178367. 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 cash account to a personal credit account, who apply and are accepted between 18th of September 2018 and 7th January 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 March 2019 statement providing that you pay at least the minimum payment by the payment due date shown on each previous statement. Interest on the March 2019 statement will be calculated using the standard interest charging method detailed in your credit agreement. It will include interest on purchases made between the date your account was opened and interest on the opening balance of your March 2019 statement. That opening balance may include purchases made in previous statement periods.

Do I have to pay interest? - No, if you pay the full balance shown on your February 2019 statement by the payment due date, you will not pay any interest. However, if you pay less than the full balance, or you are late in making or fail to make any payment, you will be charged interest as set out above.

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? - The promotional interest rate will end and you will be charged interest at the standard rate on purchases and opening balance on your next statement. We will calculate that interest in the manner set out in your credit agreement. You may also be charged a £12 administration fee.

What else do I need to know? - If you choose not to pay the full balance shown on your February 2019 statement, we will charge you interest for any purchases you made before that statement was generated.

What does the discount apply to? - 25% off applies to first credit order on fashion, homewares, lingerie and footwear only. Excludes outlet, sale, appliances, electricals and toys. Discount applies to full price items only.

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