Customer Services Finance

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
  • 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 £2,000
  • 3 year loan length with minimum spend of £3,000
  • 4 year loan length with minimum spend of £5,000
  • 5 year loan length with minimum spend of £8,000

Representative Example:

  • Total product amount: £8,000
  • Total amount of credit: £8,000
  • 60 monthly payments of: £133.33
  • Total amount payable is: £8,000
  • 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
  • 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

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

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 paid within 6, 9 or 12 months depending on the loan amount
  • 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


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 you decided to make a partial payment with the Buy Now Pay Later period then your interest rate would be adjusted and calculated against your remaining balance.

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.

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

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