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  • Why open a Home Essentials credit account
  • How to create an account
Apply now

Shop everything
interest
free for
6 months and create
your perfect home today

Plus get 20% off your first order on home & furniture

Apply now

Representative 39.9%APR (Variable)

Credit is subject to status. T&Cs & exclusions apply. More info 6 months interest free period begins from the date of your credit agreement. Pay £0 upfront on all orders plus, 20% off excludes Tech, Gaming & Appliances. £40 minimum spend applies. Offer available to new customers only on credit accounts opened between 30/09/21 and 24/02/22. All credit purchases will be interest free during the initial 6-month period. Credit is subject to status. T&Cs and exclusions apply. Open a credit account between 30/09/21 and 24/02/22 and pay no interest on all of your credit purchases for 6 months, plus get 20% off your first order excludes Tech, Gaming & Appliances. £40 minimum spend applies. Apply Now

Choose the way you want to pay

Shop all your favourite home styles or latest tech

We will keep your account details secure so you can just enjoy checking in as little as two clicks

Manage your account online or through our App

Decide how you want to pay! Pay in full or pay for it later. The choice is yours

Apply Now

Enjoy the Benefits

Bag it today and Pay Later

If you choose to pay later, you will receive your first statement within 28 days of opening a credit account and thereafter, telling you how much to pay and when.

Feel Fantastic For Less

Make the most of our first order offer when you open a credit account so you can enjoy the things you love, for less.

It’s on its way!

You can track your order online so you can just sit back and relax.

Returning Items? No Problem!

With our easy returns policy, you can return your items hassle free!

You can apply for our credit account in 3 easy steps

1

Select Apply Now

2

Fill in our easy online application

3

Get an instant decision

How it works

If you’ve been accepted for a personal credit account, no interest will be charged if you pay for your items in full by the date shown on your latest statement and by keeping your account up to date.

If you choose not to pay the full amount by the date shown on your latest statement and pay the minimum payment, you’ll be charged interest on your total remaining balance.

If you choose to pay just the minimum payment each month, this will cost you more in interest and take you longer to pay off than if you paid for your items in full.



See Full Credit Terms & Conditions for further information click here >

Credit is subject to status and will depend on your individual circumstances

Offers included on this page are subject to our terms and conditions.

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 register.fca.org.uk. VAT Registration Number: 148 8796 03