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Spread the cost

£25 for you*
All you have to do is spend over £100 using your credit account

^Apply Now

Credit is subject to status. Terms and conditions apply^

Representative 39.9%APR Variable

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

30 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.


*Offer is only available to customers who spend £100 or more on their first order when opening a credit account and are accepted between 17/09/2020 up to and including 14/10/2020. Credit back of £25 will be rewarded and added to your credit account by 12/11/2020. If any items are returned before the 12/11/2020 and takes the first order value below £100, credit back will not be rewarded.

+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 VAT Registration Number: 148 8796 03

Frequently Asked Questions

  1. What products are eligible for the creditback offer?

    All items on our site are eligible for the offer, there's no restrictions! You just need to make sure you have reached the minimum spend between Thursday 17th September 2020 and Thursday 15th October 2020.

  2. I missed the offer; can I still claim the £25 creditback?

    No, this was a limited offer that was only available in this specific timeframe.

  3. Will you be running the offer again?

    There are no specific plans at this time, but we're always exploring opportunities that will be of interest to our customers.

  4. I haven't received an order confirmation, did I qualify?

    All purchases made on a credit account between Thursday 17th September 2020 and Thursday 15th October 2020 for the creditback?offer can qualify if the minimum spend criteria is met.

  5. Can I have my creditback early?

    We're unable to apply the creditback early. The time limit for the offer and when the creditback will be applied to your account is to allow a reasonable amount of time for any returns to be credited.

  6. Will I get the creditback if I pay by card at the time of order?

    You?must?order the items using your credit account only. Orders purchased by card will not be eligible for the creditback offer.

  7. Can I use a promotion code with my order?

    Yes, however this will be deducted from the total value. To be eligible for the creditback, your total order value made between Thursday 17th September 2020 and Thursday 15th October 2020 must be at a minimum of £100.

  8. Am I still eligible for the creditback if I return some/all of my order?

    If any purchased items are returned and the refund value takes the original total spend below £100, you will no longer be eligible for the creditback offer.

  9. Where can I find out how much more I need to spend to qualify for the creditback?

    You can log on to your online account and see your recent transactions under 'My Account'; you simply need to add together the cost of each order placed Thursday 17th September 2020 and Thursday 15th October find out your total spend. Alternatively, you can add together the cost of each order from your advice notes that come with each order.

    Check the T&C's for more details.