By opening a Home Essentials personal account you can choose the way you want to pay!
Either pay straight away or spread the cost - the choice is yours!
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
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!
Fill in our easy online application
Get an instant decision
If you’re accepted you can start shopping straight away using your credit account!
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