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0871 231 2000

Calls cost 13p per minute plus your phone company's access charge

Shop your way
with a credit account

25% OFF*

Your first order when you open an account

Use code 25NOW at checkout

Representative 39.9%APR variable

Credit subject to status and creditworthiness. Terms & conditions apply^

More reasons to love
a personal account

Try Before You Buy

Try Before You Buy

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

Simple Application

Simple Application

Our application process is straightforward and secure. You'll get an instant decision and can start shoping as soon as you're approved.

Pay Your Way

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.

If you choose to spread the cost by using a Personal Credit Account, it will cost you more and take you longer to pay off than if you pay for the items in full

Stay In Control

Stay In Control

With access to your Personal Account available on all your devices, you're always in control.

Helpful Reminders

Helpful Reminders

We provide helpful statement and payment reminders to keep you up to date.

Easy Checkout

Easy Checkout

With your account details securely stored, you won't have to remember them each time you shop. You can check out in two easy clicks!

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*25% discount offer open to all new customers opening an account. Apply code 25NOW at checkout to receive your discount. Discount includes fashion, homewares, lingerie and footwear only. Excludes outlet, sale, appliances, electricals and toys. Discount applies to full price items only. Discount can only be used once and not in conjunction with any other offer. Offer available to cash or credit customers opening a new account.

JD Williams & Company Limited trading as Ambrose Wilson. 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.

Full offer terms & conditions

  • Who is eligible?

    The offer is open to new personalcredit account customers, and those converting their cash account to a personal credit account, who apply and are accepted between 3rd of July 2020 and 31st July 2020. 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 October 2020 statement providing that you pay at least the minimum payment by the payment due date shown on each previous statement. Interest on the October 2020 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 October 2020 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 September 2020 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 September 2020 statement, we will charge you interest for any purchases you made before that statement was generated.