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    Spread the Cost

    Shopping with your personal account is simple. On every statement, we give you the following payment options, just pick the one that suits you.

    1. Pay your balance in full by the date shown on your statement and you won’t pay any interest.
    2. Spread the cost to suit your budget and pay the minimum payment amount shown on your statement. If you choose to spread the cost with your personal account it will cost you more than if you bought the items in cash.
    3. Pay anything in between.
    APR Apply Now >

    Credit is subject to status. To open a Personal Credit Account, you must be a UK resident and over 18 years of age. JD Williams & Company Limited trading as The Kids Division is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 311618. JD Williams & Company Limited, registered office, Griffin House, 40 Lever Street, Manchester M60 6ES. Registered in England No.178367.

    See full Terms and Conditions >
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