42.6 APR Our Lowest Rate

At BrightHouse we recognise sometimes it can be difficult to get credit, we are here to help you. We want to take you on a positive credit journey from being a new customer with a new credit record to an existing customer with a proven credit history.

A good payment history is great for your credit score and unlocks the ability to qualify for our best rates when taking additional agreements - as low as 42.6% on kitchen appliances, TVs and furniture.

Here is how you could qualify:


Standard Interest Rate

69.9% APR* – TVs, Kitchen appliances and Furniture
99.9% APR* – Technology products

As a new customer to BrightHouse you may qualify for our entry level interest (APR*) rates


1st Year Existing Customer with excellent on time payment

59.9% APR* – TVs, Kitchen appliances and Furniture
89.9% APR* – Technology products

As an existing customer between 13 weeks and 52 weeks credit history you may qualify for a lower** interest (APR*) rate subject to your existing payments being made on time


2nd Year Existing Customer with excellent on time payment

42.6% APR* – TVs, Kitchen appliances and Furniture
79.9% APR* – Technology products

As an existing customer with over one year’s good credit history you may qualify for our lower** or lowest*** interest (APR*) rates


Your offer may differ from the rates shown above and the maximum APR we could offer you on any Hire Purchase Agreement is 99.9%. The interest rate offered is fixed for the length of the agreement. Reduced APRs are only valid when taking out a new hire purchase agreement and fixed for the agreement period.

Remember this is not a promotion but a promise. At BrightHouse you could enjoy the benefits of lower interest rates now and on all your agreements in the future.

Terms and conditions

* We will carry out a credit assessment when you apply and your personal circumstances at the time may affect the rate we can offer you. Our offer may differ from the rates shown above and the maximum APR we could offer you on any Hire Purchase Agreement is 99.9%. Credit is available subject to status and we reserve the right to decline any application.

**typically between 13-52 weeks 23.5% of new customers are eligible for the lower APR.

*** and after 52 weeks 42.3% of existing customers are eligible for the lowest APR