What is Simply Be?

As mentioned, Simply Be is a women’s plus-size brand. Their sizes range from 12 to 32, and they are keen on making trendy and in vogue fashion available for their customers.

They promote themselves as being a company that focuses on the themes of plus size and curves. Among the clothes brands featured on their online store are Super Dry and Adidas.

Simply Be are popular since they provide a high-quality clothing range to the plus-size female market. Not only that but Simply Be also provides plenty of special deals and currently up to 60 days return.

In addition, they have a catalogue from which you can make purchases on credit, which we’ll now take a look at.

How Does Simply Be's Credit Account Work?

As discussed, this is part of their online catalogue.

One notable upside is that you’ll get 20% off your first order if you purchase on credit with Simply Be. To apply, you’ll need to fill out an online form in which they’ll ask for details such as your name, email address and date of birth.

There is also a credit check as part of the application process. As of November 2020, you will not need to pay any interest for the first several months.

If approved, you can go ahead and make your purchases. You’ll then receive a statement every 28 days explaining what your minimum payment is for the next month.

This statement will state what you’ve received, what you’ve returned, how much you’ve paid so far, what your remaining balance is and the minimum amount that needs to be paid.

You can pay off more during a given 28 day period than is due if you wish, but you will still be required to pay every 28 days after each new statement until everything is paid off, including interest.

What Products Do Simply Be Offer in Its Catalogue?

Now, let’s break down what you can purchase as part of the Simply Be catalogue. In each of the following subsections, we’ll discuss some of the most popular items available!

Women's Fashion

Simply Be sells a wide range of women’s fashion from sweatshirts to kimonos to tunics to blazers. They also sell a long list of dresses, including midi dresses, smock dresses and maxi dresses.

Lingerie and active wear are other popular categories of Simply Be’s womenswear. There are currently over 9000 fashion items available on their website, giving you a massive selection of choice!


Simply Be has a gorgeous range of wide fit women’s shoes. They offer shoes from well-known and respected brands like Vans, Skechers, Dr Martens and Head Over Heels. There are over 2200 shoe products for sale on their website


From gloves to jewellery to face coverings, Simply Be also sells plenty of fabulous accessories, great for your personal shopping or if you’re searching for the perfect gift for a friend or loved one. In total, they sell 1700+ accessories from brands such as Eastpak, Calvin Klein and Ray-Ban.

Covid-19 Note: Regular face coverings are not as effective as high-quality masks. Make sure you do your research before purchasing any face-covering so that you are aware of how effective or ineffective any given product is.


Next, we have the beauty section. There are nearly 2500 beauty products on sale on the Simply Be website including items from L’Oreal, Stila, Maybelline and Dior.

They also have a fantastic vegan beauty range for cruelty-free and plant-based options such as products from Nourish and Crayola.


For something a little different, Simply Be offers a great range of homeware products too. This includes products from Apple, Fitbit and Sass & Belle.

There are around 800 items in this section with fleeces and duvets being some of their most popular Simply Be home items.


With the holiday season nearly among us, you may wish to buy some Christmas presents on credit. Whether this is the case or if you’re looking for a great way to buy presents for various occasions throughout the year, Simply Be has plenty of choices.

Depending on what you’re looking for, Simply Be has lots of potential gifts from all of the categories mentioned above. They also have a dedicated Christmas gifts subsection with about 750 items to choose from.

What Simply Be Catalogue Deals Are Available?

If you’re looking for ways to save money, you’ll want to know what deals are offered with this catalogue. Of course, by using a credit account with Simply Be, you can save money in the short-term either way.

With a credit account, you’ll have a minimum payment to meet each month up although you can pay more if you’d prefer.

The longer you take to pay back, the more your interest is going to be. Don’t forget the 29.9% interest rate given earlier is a variable figure. We’ll break down the various payment methods a bit later.

There is a 20% Simply Be discount on your first credit account order as well as 0% interest for the first several months, as of November 2020. In addition, its Be Unlimited!

Service allows customers to enjoy free delivery for 12 months for just £9.95. If you use the UK ParcelShop, you can benefit from free delivery for purchases of £40 or more.

In addition, Simply Be offers various short-term special offers throughout the year. For instance, during the week of Black Friday, they offered an incredible 40% discount on fashion, footwear and lingerie items with nearly 10,000 products on sale.

Keep an eye on the Simply Be website throughout the year for new special offers as they appear. Each will come with its own Simply Be discount code. For Black Friday, the Simply Be voucher code was WOW40.

Benefits of Shopping at Simply Be

There are many advantages to the Simply Be online store. In this section, we’ll explain each of these benefits in more detail.

20% off Your First Order

One of the big standout positives of making purchases on credit with Simply Be is that you’ll get a 20% discount on your first order!

This adds to the benefit of saving money in the short-run, making it perfect for cutting down on expenses when shopping online.

This could prove especially helpful if you’re planning on buying lots of gifts ahead of the holiday season.

Buy Now, Pay Later

The most obvious advantage of a credit account, such as the one offered by Simply Be is that you can make purchases without paying a penny upfront. With Simply Be, you can spend up to £350 on credit and pay back the total later.

Of course, with interest, you will spend more in the long-run, but it is ideal if you are strapped for cash right now or/and looking to improve your credit rating. That is of course, given that you’re confident you’ll be able to make the payments on time.

Additionally, it’s preferable to pay back at a reasonable rate each month since if you only meet the minimum payment, you’ll face a higher interest rate overall, since it is a variable rate.

0% Interest Until March 2021

As of November 2020, Simply Be is letting you pay zero interest with your credit account until March. An advantage like this only makes the short-term savings sweeter as it will let you cut down on added expenses in the medium-term also, giving you more time to save cash before you start paying back any interest.

This deal could change, disappear or be replaced with time. Check out their credit account page for the latest information.

Disadvantages of Shopping at Simply Be

When signing up to a credit account, you should also be aware of the downsides. For one, with any buy now, pay later catalogue, you’re going to spending more in the long-run due to the interest.

Credit accounts really only make sense if you’re looking to save money in the short-term. So, you need to ask yourself whether that benefit in itself will outweigh the added cost of interest.

Then, there are also issues specific to the Simply Be credit account. Let’s take a look at them.

Interest Charges for Outstanding Balances

If you want to register a Simply Be credit account, it’s essential that you know you can make the payments on time and ideally that you can pay more than the minimum payment each month.

If you only pay the minimum charge each month, your interest rate will be higher than it would otherwise. However, should you fail to meet even the minimum payment(s); you’ll face an extra interest charges! And further, it would have a negative effect on your credit rating.

Credit Checks

Unlike some catalogues, Simply Be performs credit checks on those applying for a credit account. This means that if you have bad credit, you probably won’t be approved. This makes it far from a good option for those with a poor credit rating.

What Payment Methods Do Simply Be Accept?

Should you decide that a Simply Be credit account is a good match for you, next, you may be wondering how you can pay for it. As mentioned, you’ll have a monthly charge to meet after signing up for a Simply Be credit account, and there are four options to choose from.

Direct Debit

One of the most common payment options offered by any credit account such as that of Simply Be is direct debit. You can choose to pay a set amount of your liking, the minimum amount or the entire balance on any given monthly statement.

Each transaction will appear under the name JD Williams on your bank statement. Should you wish to cancel or amend a direct debit, you can do so with the help of Simply Be’s customer support.

Debit Card or Credit Card

You can also pay by card, whether you have a debit or credit card. This payment option can be used with a Simply Be online account, or by using the automated payment service, which is available by phone. Payments by credit card may come with a handling charge of 1.5%.

Continuous Payment Authority

This lesser-known payment option, also known as a CPA, let’s you pay by text message. In this case, Simply Be will send you a text featuring a link to a secure payment web page. You’ll need a smartphone to use this service.

Once your first payment is made, Simply Be can either keep your card details on record for an automatic debit every 28 days or send you the secure payment link ahead of every monthly payment.

In the case of the latter, this will mean that your credit card details won’t be stored. You’ll need to contact Simply Be to avail of this option. You can cancel this payment method at any point.

Standing Order

Lastly, there is the possibility of paying with a standing order. To do this, you must set up a standing order through your bank account. You will need to fill it out with the details specified by Simply Be.

As for the payment reference, you must use your customer number, which can be found in the ‘My Statement Details’ section of your Simply Be account.

Can I Open an Simply Be Credit Account with Bad Credit?

If you have a bad credit rating, you may be concerned that you won’t be approved. Let’s take a look at how this applies to opening a Simply Be credit account.

Ultimately, it will depend on what your bad credit score is, but unfortunately, there is a good chance that your application will be rejected.

As part of the application process, Simply Be will assess your credit history, which includes contacting any relevant credit reference agencies.

If they deem you unsuitable to open a credit account with them, then more than likely bad credit was the reason for the rejected application.

You can contact Simply Be by email if you have any further queries. Credit score is pretty much a make or break factor when applying for a Simply Be credit account.

How Does Simply Be's Delivery and Return Policies Work?

Not every item we buy turns out to be what we were looking for, and sometimes we simply change our minds and want to return a product. Should you wish to return an item you’ve purchased on Simply Be, you can do with a variety of methods.

Return Methods:

  • Post Office
  • myHERMES Parcel Shop
  • ASDA to You

Receipts are essential if you wish to complete a return. When it comes to promotional products such as a three for two deal, you must return all items that you purchased as part of the deal to get a refund.

As of November 2020, you have 60 days from the day of purchase to return an item. It should take about a fortnight for a return to be fully processed.

Delivery Methods:

  • Be Unlimited - Annual delivery charge of £9.95
  • Simply Be UK Standard Delivery - £3.50 (takes 3 to 7 working days)
  • Simply Be Fast Delivery - £4.50 (around 80% of orders are delivered within 48 hours)
  • UK ParcelShop - £3.50 (applies to deliveries below £40)
  • UK ParcelShop - Free (applies to deliveries of £40 or more)

Supplementary delivery charges may apply. To receive fast delivery, you must order by 11 pm that day. Covid-19 is also a factor in fast delivery times. More information is available on the Simply Be delivery and returns page.


We hope that you enjoyed our review of Simply Be! This plus-size women’s fashion site offers a popular and useful credit account, which we’ve reviewed in this article. As you’ve seen, there are 1000s of exciting fashion items available as part of the fabulous Simply Be catalogue.

We discussed topics such as the benefits and disadvantages of Simply Be’s credit account as well as what payment methods may be used. If you’ve decided that Simply Be offers the right credit account for you, then click here and apply today! Best of luck and happy shopping.


Q: How do I get a Simply Be credit account?

A: You’ll need to submit an application by filling out an online form.

Q: What is the assumed credit limit offered by Simply Be?

A: The limit is £350.

Q: How often will I need to pay?

A: At least once every 28 days until you’ve paid off the total due (which will include interest).

Q: Are there any special discounts when you purchase on credit with Simply Be?

A: Yes, you’ll get 20% off your first order, if you purchase on credit!


  1. https://www.simplybe.co.uk/
  2. https://support.simplybe.co.uk/hc/en-gb/articles/360002530704-How-can-I-make-a-payment-on-my-account-
  3. https://www.simplybe.co.uk/shop/page/spread-the-cost/show.action?cm_sp=DALMonetateSlot1-_-Credit-_-0_percent_20_percent_off_first_order