Customer Services Finance

* Finance options available, provided by Barclays Partner Finance. Subject to application, financial circumstances and borrowing history. Minimum spend and eligibility criteria applies.


Interest Free Kitchens, Bathrooms and Bedrooms

We understand that a new kitchen, bathroom or bedroom can make a huge difference to your home, so we do everything we can to make sure you can create the room of your dreams. Interest free kitchens, bathroom and bedrooms are designed to fit around your lifestyle and budget so that you can enjoy your new purchase with peace of mind.

Interest Free Credit

Manage the cost of your purchase with interest free credit finance options

  • 0% APR
  • No early settlement fee
  • No deposit
  • Regular monthly payments
  • 10 months loan length with minimum spend of £500
  • 1 year loan length with minimum spend of £1,000
  • 2 year loan length with minimum spend of £2,500
  • 3 year loan length with minimum spend of £5,000
  • 4 year loan length with minimum spend of £7,500
  • 5 year loan length with minimum spend of £10,000

Representative Example:

  • Total product amount: £10,000
  • Total amount of credit: £10,000
  • 60 monthly payments of: £166.67
  • Total amount payable is: £10,000
  • Representative: 0% APR
  • Rate of interest: 0% fixed

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

Interest Bearing Credit

Interest Bearing Credit

Lower monthly payments and the option to spread the cost of your purchase over 7 years.

  • 7.9% APR
  • No early settlement fee
  • No deposit
  • Regular monthly payments

Representative Example:

  • Total product amount: £4,000
  • Total amount of credit: £4,000
  • 84 monthly payments of: £61.71
  • Total amount repayable is: £5,183.64
  • Interest charged: £1,183.64
  • Representative: 7.9% APR
  • Rate of interest: 7.9% fixed

Buy Now Pay Later

Buy Now Pay Later

Pay nothing for the first 6, 9 or 12 months and then have the option to spread the cost of your purchase over 3 years.

  • No interest charged if the full balance is paid before the date of the first payment.
  • Regular monthly payments (after the first 12 months)
  • No deposit
  • 9.9% APR representative
  • No early settlement fee

Representative Example (12 months holiday period):

  • Total product amount: £4,000
  • Total amount of credit: £4,000
  • 36 monthly payments of: £139.67
  • Total amount payable is: £5,028.12
  • Interest charged: £1,028.12
  • Representative: 9.9% APR
  • Rate of interest: 9.9% fixed


The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

Option 1

If you decide to settle within your Buy Now Pay Later period, you will not be charged interest and there is no early settlement fee for the customers if you choose to pay this way.

Option 2

If the customer pays part of their loan on or before the date of their first repayment, Barclays Partner Finance will not charge the customer interest on the part of the loan they repay. When the customer’s payment is received, Barclays Partner Finance will reduce the customers loan balance by the sum of the repayment plus the interest rebate.

Option 3

If you make full or partial payment after the date of your first scheduled payment, you will not be entitled to a refund of any interest. You may be entitled to an interest rebate, which will be calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.

Barclays Partner Finance Eligibility Checker

Credit is subject to application, financial circumstances and borrowing history. Please note, there are some minimum criteria if you later decide to apply for finance.

To apply you must:

  • Be at least 18 years old
  • Be in full time work (16 hours or more a week), retired, or in receipt of disability allowance.
  • Earn at least £6,000 a year.
  • Have been a UK resident for three years or more
  • Have a mobile phone number
  • Have an email address
  • Have a UK bank account from which Direct Debits can be taken
  • Have no outstanding County Court Judgements (CCJs)

HHGL trading as Homebase and Bathstore is the credit broker and not the lender. Barclays Partner Finance is the lender.

Credit Broker Disclosure:

HHGL Limited trading as Homebase and Bathstore is authorised and regulated by the Financial Conduct Authority (FRN 917811). HHGL Limited is a credit broker not a lender and only offers credit products from Clydesdale Financial Services Limited trading as Barclays Partner Finance a member of the Barclays Group, authorised and regulated by the Financial Conduct Authority (FRN 311753). Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London, E14 5HP and Zip Co Finance UK Limited who are unregulated by the Financial Conduct Authority. HHGL trading as Homebase and Bathstore do not receive commission from Barclays Partner Finance or Zip Co Finance UK Limited (i.e. the lenders) in acting as a credit broker. All finance applications are subject to application, financial circumstances and borrowing history. Terms and conditions and eligibility criteria apply. HHGL Limited Registered Office: Witan Gate House, 500-600 Witan Gate, Milton Keynes, MK9 1BA. Registration No. 0533033.

Find out if you are likely to be accepted for a loan through Barclays Partner Finance without affecting your credit score:

Eligibility Checker

FAQs

Will checking my eligibility affect my credit score?

No, the checks carried out won’t impact your credit score. Instead, it will show up on your credit file as a soft search, but it won’t be visible to other lenders.


Why do Barclays need my personal data?

Barclays use your personal data to decide if you’re eligible to borrow finance. Your details are shared with credit reference agencies and fraud prevention companies. For more information on how Barclays use, store and look after your data, please see their privacy policy.


Why are you sometimes unable to provide a decision?

The Barclays Eligibility Checker only does a soft search, so there’s no impact to your credit score. Occasionally, this search is not enough to provide a decision. If you decide to go ahead with a full application, they’ll do further checks which could affect your credit score. There’s also a chance you won’t be approved.


Can I still complete an application if the Barclays Eligibility Checker tells me I’m unlikely to be approved?

Yes, you can. However, bear in mind that this involves doing a full credit check and there’s a chance you may not be approved. If you don’t get approved, this could impact your credit score and prevent you getting approved for credit in the future. On some occasions, Barclays may also contact you for more information to support your application.


Does a positive outcome mean I’ll definitely be approved for finance?

The Barclays Eligibility Checker result is based on a soft search and doesn’t guarantee that you’ll be approved. It’s important to bear in mind that what Barclays show is only an indication that they may be able to offer you finance. To get a definitive answer you’ll need to provide more details by completing a full application. Hard credit searches can impact your credit score and will be visible to other lenders when reviewing your credit history. This type of search will be carried out if you submit a full application for finance.


Credit is subject to application, financial circumstances and borrowing history. I’m Eligible, what does this mean?

‘Eligible’ indicates the customer is likely to be approved for finance based on your average basket value and term of the loan as long as the amount they intend on financing is affordable, and the checks at full application are satisfactory.


How do I continue with my application after using the Barclays Eligibility Checker?

To continue, contact your local store to arrange an appointment. Following this, you will need to complete a separate, full application for finance. Please note there is a minimum spend of £500.00.

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