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All Stores Are Now Open With No Appointment Necessary*

*Use our store locator for opening times

Up To 4 Years Interest Free Credit With 0% Deposit

Your new dream flooring or bed is now just a few clicks away. You can now spread the cost of your flooring or bed purchase with interest free credit from United Carpets and Beds. You can choose a flexible plan for up to 4 years, all with 0% deposit. Read about our finance options below.

Simply spend £500 or more on any flooring and bed products and you can apply for finance. It's really quick to apply and you don't have to pay a deposit.

0% APR Examples

  Total Order Value

£500 £1000 £1500 £2000


0% 0% 0% 0%

  Credit Amount

£500 £1000 £1500 £2000

  Term Duration

12 Months 24 Months 36 Months 48 Months

  Representative APR %

0% 0% 0% 0%

  Interest Charged

£0.00 £0.00 £0.00 £0.00

  Cost per Month

£41.67 £41.67 £41.67 £41.67

  Total Amount Payable

£500 £1000 £1500 £2000

How To Apply

Shop Our Range Apply Online Quick Decision Complete Your Order




Order Complete

All orders over £500 are eligible for Interest Free Credit Click 'Apply for Finance' in the checkout. Choose your credit term and deposit. A decision is typically made within a few moments. Your local store will be in touch to arrange completing your order.

What Happens Next?

If your finance application is accepted we'll process your order. You'll be contacted by your local United Carpets And Beds store to arrange the collection/delivery/fitting date that suits you. Your finance monthly payments will not start until one month after we have completed your order.

Please note, Interest Free Credit orders can only be delivered/fit to your billing address.

Quick Pre-Check Before Applying For Credit

First things first, before completing our credit application you should establish that you qualify for finance and can satisfy all the following pre-check criteria.
Please make sure that you, the customer:
• Is 18 or older.
• Is, or their partner is, in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed.
• Has been resident in the UK for at least 3 years and will continue their residency in the UK.
• Has a debit or credit card in their name and registered to their address (you’ll need this to match the address used to complete the identity verification).
• Has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction).

IMPORTANT INFORMATION: United Carpets And Beds is a trading name for United Carpets (Franchisor) Ltd. United Carpets (Franchisor) Ltd is authorised and regulated by the Financial Conduct Authority, register number 656323. Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. United Carpets And Beds is not a lender and acts as a credit broker and only offers credit products from;

1. Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 204550.

2. etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales 07440512 and authorised and regulated by the Financial Conduct Authority, registration number: 697658. Company address: WeWork, No.1 Spinningfields, Quay Street, Manchester, M3 3JE. Copyright © 2020 etika. All rights reserved.

The address of United Carpets (Franchisor) Ltd is Moorhead House, Moorhead Way, Bramley, Rotherham, S66 1YY.


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and afforditNOW will refund your deposit and let you know of any outstanding balance if applicable.