Get 0% interest for 12 months

Love the idea of shopping now and paying later? Spend £500 or more on furniture in store at Debenhams or online at debenhams.com on your Debenhams Card, and we’ll treat you to 0% interest for 12 months from the date of purchase.

How do I qualify for this offer?

To get 0% for 12 months, you simply need to spend at least £500 (after any discounts or vouchers have been applied) in a single transaction on your Debenhams Card in store at Debenhams or online at debenhams.com on furniture and beds. (The offer excludes purchases made on a Debenhams Staff, Shareholder or Privilege Card.)

Offer available until further notice.

How will the offer be shown on my statement?

The transaction will appear on your statement in the usual way. Balances on promotional rates will be shown on the front and back of your statement.

To find out the date that your 0% interest rate comes to an end and the interest rate that you will then pay, look at the back of your statement. But please note that if you have a number of offers at promotional rates it may not show the expiry dates of all the offers. (It will always show those expiring soonest.)

Can I make more than one purchase at 0%?

Yes, you can make as many purchases at 0% as you like before the offer comes to an end, as long as they qualify for the offer, and you do not go over your credit limit.

What happens if I make further purchases that are not in the 0% offer and pay only those purchases off in full each month?

You’ll be charged interest on those purchases from the date they are applied to your account, until the day you pay them off in full. To avoid paying interest on these purchases, make sure you pay off your balance in full each month, including any balances you have on promotional rates.

Do I have to make payments during the offer period?

Yes, you will have to make at least the minimum payment, as set out in your statement each month.

When does the 0% interest period end?

The 0% interest period ends 12 calendar months from your purchase date. At that point, the balance will start accruing interest at the standard purchase rate. (We’ll let you know before this happens on your statement.)

What rate will I pay at the end of the 0% interest period?

At the end of the 0% interest period, you’ll pay the standard purchase rate on any remaining balance. You can see this rate on your statement.

What happens if I don’t make my minimum payment in full and on time, or go over my credit limit?

If you don’t make at least your minimum payment in full (and on time) or if you go over your credit limit, your promotional rate will be withdrawn and you’ll pay the standard purchase rate on any remaining balance you have.

What happens if I pay my balance in full each month via Direct Debit?

If you have an existing Direct Debit that pays your full statement balance each month, any balances on 0% will also be collected.

If you want to change this, please speak to our Card Customer Service Team on 0333 220 2519. But remember that this means that you may be charged interest on your balance.

Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

What if I continue to pay my balance in full each month?

If you repay your balance in full each month, but leave your 0% credit purchase on your account, we will charge interest on any further purchases you make from the point that those purchases are added to your account balance. This means that no interest free period will apply to those further purchases until your outstanding balance, including the 0% credit purchase is paid in full.

How do I change my payment method or Direct Debit details?

To change your payment method or details, just call our Customer Service Team on 0333 220 2519

Apply online now

Important information

If you do not make any required payment in (minimum or full) on time or if you go over your credit limit your 0% promotional rate may be withdrawn. At the end of the 12 months offer period you will pay the standard purchase rate on any remaining balance. Visit debenhams.com/personalfinance for full details of this offer. Excludes staff.

Credit only available to over 18s and subject to status is provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The retailer, Debenhams Retail Plc, acts solely as a credit broker and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 692718. Registered office: 10 Brock Street, Regent’s Place, London, NW1 3FG. Registered in England and Wales. Registered number: 00083395.

Frequently Asked Questions