• Shop now and pay over time

• Pay in full by the due date and you'll never be charged interest

• Track your spending, make payments and check your available spend with your online account

• Apply now for an instant decision

Representative 44.9% APR variable

If you pay less than your full statement balance by the date on your latest statement, you will pay interest on the balance left over. If you only pay the minimum each statement, it will take longer to pay off what you owe and cost you more in interest

HOME PAY credit is provided subject to status by JD Williams & Company Limited Trading as Home Essentials. Registered Office: Griffin House, 40 Lever Street, Manchester, M60 6ES. Registered number 178367. Authorised and regulated by the Financial Conduct Authority. Over 18's and UK residents only.

See Full Credit Terms and Conditions for further information.