online application

Online Credit Application - FAQs



Credit Agreement


BrightHouse gives you the choice of top branded products, cutting edge technology and essential household goods at affordable weekly prices. Choose to spread your payments over a specific term and choose either a weekly or monthly payment plan to suit your budget.

Our online credit application service is quick and easy. We'll let you know if you've been accepted for credit straight away or if you need to visit one of our local stores to give us more details. Representative APR 69.9% Fixed. Credit will be provided subject to status and affordability checks.




A credit agreement is a legally binding contract made between yourself as the person borrowing money and us as the lender. It is agreed upon by both parties and outlines the terms of repayment, the fees and our terms and conditions for the loan.




You can choose whether to pay a weekly, fortnightly or monthly payment. Please visit our payment guides for more information




We offer credit and delivery to customers located within a radius of our stores which are located on mainland England, Wales and Scotland.



New Customers


You can apply online from any smart device (phone, tablet or PC) however you will need a mobile phone to receive a pin number sent by text message to log in.




If you are a first time BrightHouse applicant and you make an error with your contact details then if you immediately go back you will be able to correct your details. If you progress with incomplete details beyond our income check then this may prevent you from being able to progress your application or reapplying for 28 days.




Please contact our customer service team using web chat to let us know and we will be able to send you another activation email. You will be able to see the live chat button after logging in and starting and application.




Our credit application process involves a credit check. This check will be retained within your credit profile and may influence your credit rating when applying for credit in the future.




Our online application process can be completed in as little as 15 minutes but may take longer depending on your details or if we ask you to verify certain details.




Please provide details as accurately as you can. Please enter your income as net pay (i.e. after tax / other deductions) and please only enter your own income details as we cannot accept joint income details.




Stores are involved in shipping many of our products to your address and manage your online account details. In some cases your application process may also involve a request for you bring in documents to verify certain application details.




We take information security seriously and so use a two step verification process to identify online customers. The first step is to provide your username and password and the second step is to enter the unique pin number which we email to your phone.



Existing Customers


If your details have changed since you first became a BrightHouse customer (e.g. you changed your first name, surname or address), then you will be asked to visit your local store. Please refer to other FAQs below to find out how you can contact us to progress online, without visiting a store.




Yes you can make payments for next week's pay for all your agreements on the My Account page.




If you are eligible for additional credit then you will see an 'Apply for Additional Credit' button on the My Account page. In some cases when you log in, we may determine that you are not eligible for additional credit and may not show this option.




Simply log in and you will be taken to the My Account page. Provided it has been at least ten days since your last online purchase then you may be shown an 'Apply for Additional Credit' button. In some cases when you log in we may determine that you are not eligible for additional credit and may not show this option. We cannot provide additional credit within 10 days of your last online purchase.




We are currently unable to update email addresses for online accounts. You will still be able to log in using your old email address however any emails from BrightHouse will be sent to this address.




Please call your local store (you can find the number here) and ask them to update your mobile number within our systems. They will be able to add the number and will need to keep both numbers active for the update to apply. You will then be able to log in and use your new number to receive your login pin number by text.




Please call your local store (you can find the number here) and ask them to update your details within our systems. We are not currently able to update the details shown to you online your old details will still show) however you will be able to complete a purchase with the delivery sent to new contact details and address.



Login


When you log in please click the 'Forgotten password' link. An email will be sent to your username email address enabling you to follow steps to update this.




Your username is the email address which you provided when you first applied online.




Please live chat with us between 12pm - 8pm Monday - Friday and 12pm - 5:30pm Saturday, and one of our expert agents will help resolve the issue.




We are currently unable to update email addresses for online accounts. You will still be able to log in using your old email address however any emails from BrightHouse will be sent to this address.




Please call your local store (you can find the number here) and ask them to update your mobile number within our systems. They will be able to add the number and will need to keep both numbers active for the update to apply. You will then be able to log in and use your new number to receive your login pin number by text.



Application Outcome


We may ask you to visit your local store to verify your account, contact or expenditure details as part of your application process.




If your local store has been closed then your store account will have been updated to your next nearest store. Before visiting us we recommend that you call our customer service team on 0800 526 069 (check to find out the best time to call).




If you apply as a new customer then your credit application will be valid for 28 days after which it will expire and you will need to apply again. If you apply as an existing customer then your credit application will be valid for 10 days after which it will expire and you will need to apply again.




Based on the income and expenditure information you've provided, we cannot offer you credit at this time. If you feel you have made an error in the information, please visit us in store to review your application.




We're sorry that you are experiencing a technical error, most common issues are resolved when you log out of your account and log back in again, but if the error persists please live chat with us between 12pm - 8pm Monday – Friday and 12pm - 5.30pm Saturday and one of our expert agents will help resolve the issue.




Following your successful application you will be able to purchase products marked 'Available to you'. We do not tell you how much your credit limit is.




You can apply for additional credit online 10 days after making an online purchase.



Warranty & Insurance


Add BrightCare to your purchase for total peace of mind. You'll be totally covered with our extended warranty, so if your product becomes faulty we'll repair or replace it right away. Click here for more detail.




Please refer to our guide showing how these optional extras help protect your product.




Due to market regulations we can only set up BrightCare for you 48 hours after you purchase your product. You will be able to opt into BrightCare and we will then contact you to complete setup.




All purchases from BrightHouse must be covered by insurance, either yours or ours. If you're not already covered by pre-existing insurance then we can provide you with the cover you need. Please click here to see further information on product insurance or for FAQs click here



Checkout


When purchasing a product online you will be asked to make a first payment as part of the checkout process. Your first payment is made up of the first full week's payment plus any remaining days in the current week. We operate Sunday – Saturday, therefore, if you complete your purchase on a Wednesday, your first payment is 1 week plus 3 days e.g. if your regular weekly payment is £7.00 per week, your first payment will be £10.00 which is made up of the £7.00 plus £3.00 for the remaining 3 days. Optional extras of BrightCare and Product Insurance are not charged until delivery of your product. Your first recurring payment will not be due until the following week. If you do not make a payment within four hours of signing the Hire Purchase Agreement, or if you press "cancel", we will end the Agreement and treat it as "withdrawn" (cancelled) as explained in your Agreement.




When purchasing a product online you can choose whether to pay only the first payment or set up regular automated payments. If you choose to pay only the first payment then you will need to manage all of your subsequent payments. Subsequent payments can be made online or by other methods - click here to learn more.

If you want to set up automated payments then Easy Pay lets you sit back and relax, knowing your weekly payments are taken care of. This service works in a similar way to a Direct Debit but will only ever take payment if there is sufficient funds in your account to do so.




At point of purchase you will be able to request a delivery date. The earliest delivery date will be 7 days from point of purchase and you can request a delivery up to 21 days from point of purchase. If we can deliver more quickly to you, i.e. within 7 days, then we will contact you to arrange this with you and we will try to do this where possible.

If you have bought a gaming console, gaming accessory, mobile phone or a laptop online then you will be eligible for Priority Delivery which could be as quick as next day delivery. Click here to see more details.

All our large items like sofas, TVs and washing machines are delivered directly to you. Our friendly delivery teams will bring your item into your home and take away any packaging.




At BrightHouse, it's OK if you change your mind, anytime. We accept returns at any point during your agreement with no further payment to be made.




A copy of your agreement documentation will automatically be emailed to you once you sign your agreements online.