Product Reviews 
Try Before You Buy
with a Damart Personal Account
Try Before You Buy
with a Damart Personal Account
Total flexibility
Our Personal Account enables you to conveniently shop and spread your payments over flexible monthly instalments. Subject to eligibility.
With our Personal Account, you can try new styles and pieces easily, taking up to 28 days interest-free*. Your credit limit is determined, up to a maximum of £500, by your financial status and by assessing what you can afford to repay.
*If the full outstanding balance is unpaid, the balance incurs interest (representative 39.9% APR variable rate.)
How it works
Choose your products
Select pay with a personal account at checkout.
Try at home
Style with your wardrobe and decide which products to keep.
Send off any returns
Easy fixed fee returns.
Make a payment
You will be charged for the products you keep.
Good news! If you pay your balance in full each month, you won't be charged any interest, which is a smart way to shop. But if you don't pay the full amount, we'll charge interest*, which increases the cost of whatever you buy. So, it's important to think about whether you can afford the repayments. A late payment fee is also be charged, up to £12, if you do not pay the minimum payment by the due date.
FREQUENTLY ASKED QUESTIONS
The minimum payment
Each month we issue a statement which shows exactly what you need to pay. You must pay the minimum payment by the ‘payment due date’ on your statement. The minimum payment will be 1/25th of the value of the goods you bought, or £3, whichever is greater. If you owe less than £3, we'll ask you to pay it all.
Interest and how it's calculated?
Interest is added to the balance outstanding from your last statement at a daily rate of 0.0933 pence in the pound. This equals 34.0% per annum (variable), unless you pay the balance in full. Interest is calculated when the statement is produced and added to the balance, subject to a minimum charge of 50 pence per month. So, the sooner you pay off your balance, the less interest you’ll pay. For example, if you buy products worth £75 and make the minimum payment every month, you'll repay 25 monthly instalments totalling £104.15 and the total interest charged will be £29.15.
How do I make a payment?
To make a payment, click on the account icon 
at the top right of the website to log in. Once logged in, go to ‘MyAccount’ and select ‘Personal Account’ and then 'Make A Payment’. Follow the on-screen instructions, making sure to fill in all required details. You can also call us on 0330 123 5429 to make a payment.
Other ways to make a payment:
• Call 0330 123 5429
• Direct Debit
• Online by card/PayPal
• Bank Transfer
• At the Post Office
Please note, payments received will always be allocated first to make your minimum repayment due on your Personal Account if you have an outstanding balance, including any accrued arrears and interest, so that your account does not fall into arrears.
What happens if I miss a payment?
If you miss a payment it’s important that you contact us as soon as you can. Email ukcreditmail@damart.com or call 0330 123 4083 and we can help get you back on track and discuss all of your potential options. If you do miss a payment you will be charged a late payment fee of £12 and the arrears on your account may be registered on your credit file.
How can you avoid paying interest?
To avoid paying interest on your account you need to make a payment for the amount of the total balance outstanding on your statement by the payment due date. As long as you clear that balance each month you will not be charged interest. How are payments to my account allocated? Unless you to tell us how you want a specific payment allocated, your payments will be allocated in the following order:
1. The minimum payment on your Personal Account
2. Any Pay In 3 and/or Buy Now Pay Later amounts that are due this month
3. Additional balance on your Personal Account above the minimum payment
4. Any Pay In 3 and/or Buy Now Pay Later balances that are not due this month
Can I change my Credit Limit?
Yes you can. If you click here you can request an increase or decrease to your credit limit. Alternatively you can give us a call on 0330 123 5429 and discuss your requirements with our team.
If you place an order that would take you over your current credit limit you may be offered a credit limit increase. If you wish to take advantage of this then just follow the on screen prompts. If you prefer to place your order over the phone then our team can increase your credit limit during the call.*
Please be aware that a higher credit limit may increase the risk of taking on too much debt. This may be costly and take a longer time to pay off.
*Please note that eligibility restrictions apply to all credit limit increases.
NEED MORE SUPPORT?
Don’t worry. We’re here to help.
If you’re struggling to make your minimum payment right now, email ukcreditmail@damart.com or call 0330 123 4083 to discuss options and agree on the best way forward.
We’re committed to supporting you and we understand that everyone has unique needs, and that’s why we’re dedicated to working with you on a tailored plan.
Try before
you buy
– Nothing to pay upfront.
Pay later
Up to 28 days to pay – interest free! Only pay for what you keep.
Spread the cost#
Enjoy the flexibility to split the cost into monthly payments.
Up to £500 to spend
Open a Personal Account and get up to £500 credit limit to spend, instantly!