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Turn bigger buys
into smaller payments
with £0 to pay upfront

Representative 44.9% APR variable

Ambrose Wilson model

Why open a
FW Pay account?

  • Payment cards

    Pay now or pay later

    Pay in full or pay nothing upfront and split the payments to suit your budget. The choice is yours and you’re in charge.

  • Laptop

    Stay in control

    With 24/7 access to your online account, you can manage your payments, statements and how much you have to spend on our app or website.

  • Calendar

    Never miss a payment

    Set up a Direct Debit to make a payment every 28 days. You’ll see the date it will be taken on your statement.

  • Padlock

    Instant decision

    When you choose to apply, you’ll get a decision in seconds.

When you chose to pay later, we’ll send you a statement every 28 days telling you how much to pay and when. If you don’t pay the full statement balance, by the payment due date shown on your statement, interest will be charged 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. You will receive your first statement within 28 days of opening your FW Pay account.


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FW Pay credit is provided subject to status by JD Williams & Company Limited Trading as Fashion World. 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