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0% INTEREST UNTIL OCTOBER 2020
+ 20% OFF*

your first order when you open a
HomePay
account

With HomePay you can shop online and pay later†, so you can get the things you need most, today.

^Apply Now

REPRESENTATIVE EXAMPLE

39.9%APR Representative APR (Variable)
39.99% interest rate p.a. (variable)
£200 assumed credit limit

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

Spread the cost

Spread the cost
to suit you

Only pay when you›re 100% happy

Only pay when you're 100% happy+

Simple online application

Simple online application

60 day return period

60 day return period**

Pay by Direct Debit

Pay by Direct Debit

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

 

*20% discount will be applied at checkout and sale and clearance. Minimum spend £40. Can only be used once and not in conjunction with any other discount or offer. Pay no interest until October 2020. Offer applies to new credit customers applying by 31st July 2020. If you choose not to pay your balance in full by the due date on your September statement, your October balance will include; (i), interest charged on the closing balance of your September statement, and (ii) interest charged on your purchases made between your August and September statement dates, from the date each purchase was applied to your account. 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, 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. See below for full terms and conditions.

+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.

**Where supplementary delivery charges apply these are clearly detailed on the product pages and in your shopping basket prior to placing your order. This offer is only available to individuals residing in the UK and for delivery to UK addresses. The offer is only available to new Home Essentials accounts registered from 30th April 2020 and you must place an order for the offer to be validated. Offer is only valid for accounts set up on the internet and not over the telephone.

JD Williams & Company Limited trading as Home Essentials. 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

Full Offer Terms & Conditions

  1. Who is eligible?

    The offer is open to new Home Essentials account customers, and those converting their non-credit account to a personal credit account, who apply and are accepted between 3rd July 2020 and 31st July 2020. This offer is not available to existing Home Essentials credit account customers.

  2. 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. If pay your full balance by the due date on your September 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 September statement, your October 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 September statement.

  3. 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.

  4. 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.

  5. 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.

  6. What else do I need to know?

    If you choose not to pay your balance in full by the due date on your September statement, your October 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 September statement

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