Model wears orange sweater and black leather jacket

pay | simply be.


Representative 44.9% APR variable

Credit is subject to status. T&Cs apply.

Why open a Pay Simply Be account?

Pay £0 upfront - Every time you shop, you don't have to pay anything until you get your statement

Pay no interest - Pay in full by the due date and you'll never be charged interest

Take your time - Get what you need and spread the cost when it suits you

Stay in control - Your online account will help you stay on top of things - track your spending, make payments and check your available spend

Representative 44.9% APR variable

Credit is subject to status

Check if you’re eligible

  • Take our eligibility check to see if you’ll be accepted for a Pay Simply Be account and find out how much you’ll be able to spend
  • It’s guaranteed not to impact your credit score - you’ll be able to see this search on your file, but it won’t be visible to other lenders
  • The choice is yours - if eligible you can choose to apply and spread the cost of purchases

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.​

Pay Simply Be credit provided, subject to status, by JD Williams & Company Limited. Registered office: Griffin House, 40 Lever Street, Manchester, M60 6ES. Registered number: 178367. Authorised and regulated by the Financial Conduct Authority. Over 18’s, UK residents only.

See Full Credit Terms and Conditions for further information.