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Finance options from Homebase

Finance for online purchases provided by PayPal

Enjoy 0% interest for 4 months with PayPal credit.

This is an online credit option, without the need for a credit card, with a minimum spend of £99 to qualify for 0% interest for 4 months* subject to status and application. If you are approved for PayPal Credit you’ll automatically get the option to take 0% for 4 months on future purchases with Homebase, every time you spend over £99.00.

Once you’ve added your products to your basket, choose PayPal in the checkout. Once logged into your PayPal account, you can apply for this finance option.

Representative Example:

Representative23.9% APR (Variable)

Purchase interest rate 23.9% p.a. (Variable)

Assumed Credit amount: £1200

This example above illustrates the typical cost of using PayPal Credit as a standard funding method. If you take advantage of our offers and promotions, including our 0-4months offer, the interest rate that applies will be lower in many circumstances’’

This link will take you to the PayPal website.

The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99.00 will be charged interest at your standard variable rate. In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

Finance subject to status.

Buy now, pay later with Pay in 3

Enjoy more flexibility with PayPal Pay in 3 for purchases between £30 and £2,000.

• Stay in control of your finances

• Make interest-free payments

• Get a decision in seconds

• Backed by PayPal Buyer Protection

Split your purchase into three interest-free payments, with no set up fees or charges.*

Once you’ve added your products to your basket, choose PayPal Pay in 3 in the checkout. You will be directed to your PayPal account and can then select this payment option. You’ll make the first payment now, and the balance will be split over two months, due on the same date.

This link will take you to the PayPal website.

*Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit, so carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. See product terms for more details.

PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. Terms and conditions apply. Credit subject to status, UK residents only, HHGL Limited trading as Homebase and Bathstore is authorised and regulated by the Financial Conduct Authority (FRN 917811) acts as a credit broker and offers finance from a restricted range of finance providers. HHGL Limited does not receive commission from PayPal UK Ltd. PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is a form of credit. Check if affordable and how you will repay. May make other borrowing more difficult or expensive. See product terms for more details.

Finance for in store purchases provided by Novuna.

5 years interest free finance offer

* Finance options available, provided by Novuna Consumer 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
  • 10% Deposit
  • Regular monthly payments
  • 1 year loan length with minimum spend of £1,000
  • 2 year loan length with minimum spend of £4,000
  • 3 year loan length with minimum spend of £7,000
  • 4 year loan length with minimum spend of £12,000
  • 5 year loan length with minimum spend of £15,000

Representative Example:

  • Total product amount: £7,000
  • Deposit amount: £700
  • Total amount of credit: £6,300
  • 36 monthly payments of: £175.00
  • Total amount payable is: £7,000
  • Representative: 0% APR
  • Rate of interest: 0% fixed

Interest Bearing Credit

Interest Bearing Credit

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

  • 5.9% APR
  • No early settlement fee
  • No deposit
  • Regular monthly payments
  • 1 year loan length with minimum spend of £500
  • 2 years loan length with minimum spend of £1,000
  • 3 years loan length with minimum spend of £1,000
  • 4 years loan length with minimum spend of £1,000
  • 5 year loan length with minimum spend of £1,000
  • 6 year loan length with minimum spend of £1,000
  • 7 year loan length with minimum spend of £1,000

Representative Example:

  • Total product amount: £7,000
  • Total amount of credit: £7,000
  • 36 monthly payments of: £211.60
  • Total amount repayable is: £7,617.46
  • Interest charged: £617.46
  • Representative: 5.9% APR
  • Rate of interest: 5.9% 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 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 selected deferral period
  • Minimum spend £500
  • 10% Deposit
  • 9.9% APR representative
  • £29 settlement fee applies for a full repayment during deferral period

Representative Example (12 months holiday period):

  • Total product amount: £7,000
  • Deposit amount: £700
  • Total amount of credit: £6,300
  • 36 monthly payments of: £201.33
  • Total amount payable is: £7,947.76
  • Interest charged: £947.76
  • 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.

Buy Now Pay Later Explanations:

With the Buy Now Pay Later low cost early repayment option – the interest will be waived if you pay the loan off in full within the holiday period. However, if you do pay off the loan within the holiday period, a £29 early settlement fee will apply. Important! If you do not pay the loan off in full during the initial holiday period, then you will have to pay interest accrued during the holiday period.

Eligability Criteria

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 permanent paid employment (over 16 hours a week), retired and receiving a pension, be a houseperson with a partner in permanent paid employment, be self employed, a student Nurse or Doctor
  • Have been a UK resident for three years or more
  • Have a mobile or landline 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. Novuna Consumer 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 Mitsubishi HC Capital UK PLC, trading as Novuna Consumer Finance (FRN 704348) and PayPal Credit and PayPal Pay in 3, trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. HHGL Limited trading as Homebase and Bathstore do not receive commission from lenders in acting as a credit broker. All credit is subject to status and affordability. 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.

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