Explore Our Easy Payment Options
We have a huge range of easy payment options available both in-store and online. Whether you're shopping for new Carpet, Smooth Flooring, a Bed or Mattress, we have you covered with our Flexible payment options.
What are you Shopping for?
Carpet & Vinyl
If you're looking for carpet or vinyl flooring, you can generate a quote online and your local store will finalise your sale in store - you can see our range of IN-STORE EASY PAYMENT OPTIONS
Smooth Flooring, Beds and Mattresses
If you're looking for laminate, LVT, beds or mattresses you can buy these with our IN-STORE EASY PAYMENT OPTIONS or buy online with our ONLINE EASY PAYMENT OPTIONS.
In-store Easy Payment Options
You can buy any of our products in store and we have a range of Easy Payment Plans available, brought to you by our credit provider, Novuna Consumer Finance. These payment options are available on all products over £500. Regulated credit.
0% Interest Free Credit
No Deposit - 0% APR
Choose a flexible plan up to 3 years. Available in-store and online by spending £500 or more on any flooring or beds product (excludes fitting). Quick application and you don't have to pay a deposit.
Minimum Order Value:
£500 - Term Duration - 6 months
£1,000- Term Duration - 12 months
£1,500- Term Duration - 24 months
£2,000- Term Duration - 36 months
Representative example:
Credit amount: £1,000
Term duration: 12 months
Representative APR: 0%
Interest Charged: £0
Cost per month: £83.33
aTotal amount payable: £1,000
No Deposit - 0% APR
Choose a flexible plan up to 3 years. Available in-store and online by spending £500 or more on any flooring or beds product (excludes fitting). Quick application and you don't have to pay a deposit.
Minimum Order Value:
£500 - Term Duration - 6 months
£1,000- Term Duration - 12 months
£1,500- Term Duration - 24 months
£2,000- Term Duration - 36 months
Representative example:
Credit amount: £1,000
Term duration: 12 months
Representative APR: 0%
Interest Charged: £0
Cost per month: £83.33
aTotal amount payable: £1,000
Flexible Credit
No Deposit - 9.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit, with 1-5 year repayment options.
Representative example:
Order Value: £1,000
Deposit: £0
Term duration: 12 months
Representative APR: 9.9%
Cost per month: £87.68
Total amount payable: £1,052.04
Subject to status. Minimum spend required. 9.9% APR Representative. Terms and Conditions apply.
No Deposit - 9.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit, with 1-5 year repayment options.
Representative example:
Order Value: £1,000
Deposit: £0
Term duration: 12 months
Representative APR: 9.9%
Cost per month: £87.68
Total amount payable: £1,052.04
Subject to status. Minimum spend required. 9.9% APR Representative. Terms and Conditions apply.
Buy Now Pay Later
No Deposit - 19.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit.
No Deposit - 19.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit.
The buy now pay later finance option allows you to spread the cost of your purchase over your chosen term with an agreed non-payment period.
If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest but will pay an early settlement fee which is displayed at the start of your application and in your credit agreement.
If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term with interest charged at the rate set out in your credit agreement. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live.
Representative example:
Order Value: £500
Deposit: £0
Repaid over: 36 months
Deferred for: 12 months
Representative APR: 19.9%
Interest Charged: £271.84
Cost per month: £21.44
Total amount payable: £771.84
Order Value: £500
Deposit: £0
Repaid over: 36 months
Deferred for: 12 months
Representative APR: 19.9%
Interest Charged: £271.84
Cost per month: £21.44
Total amount payable: £771.84
Subject to status. Minimum spend required. 19.9% APR Representative. Early repayment fee applies. Terms and Conditions apply.
Credit subject to status. You must be aged 18 or over and be a resident in the UK for at least 3 years. View FAQs for more details. United Carpets (Franchisor) Ltd is a credit broker and not a lender. Credit is provided by the lender Novuna Finance.
Online Easy Payment Options
You can buy any Smooth Flooring, Beds and Mattresses directly from our website. We have a range of Easy Payment Plans available, brought to you by our credit provider, Novuna Consumer Finance are available on all products over £500. Regulated credit. Alternatively, you can check-out with Paypal or Klarna.
0% Interest Free Credit
No Deposit - 0% APR
Choose a flexible plan up to 3 years. Available in-store and online by spending £500 or more on any flooring or beds product (excludes fitting). Quick application and you don't have to pay a deposit.
Minimum Order Value:
£500 - Term Duration - 6 months
£1,000- Term Duration - 12 months
£1,500- Term Duration - 24 months
£2,000- Term Duration - 36 months
Representative example:
Credit amount: £1,000
Term duration: 12 months
Representative APR: 0%
Interest Charged: £0
Cost per month: £83.33
Total amount payable: £1,000
No Deposit - 0% APR
Choose a flexible plan up to 3 years. Available in-store and online by spending £500 or more on any flooring or beds product (excludes fitting). Quick application and you don't have to pay a deposit.
Minimum Order Value:
£500 - Term Duration - 6 months
£1,000- Term Duration - 12 months
£1,500- Term Duration - 24 months
£2,000- Term Duration - 36 months
Representative example:
Credit amount: £1,000
Term duration: 12 months
Representative APR: 0%
Interest Charged: £0
Cost per month: £83.33
Total amount payable: £1,000
Flexible Credit
No Deposit - 9.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit, with 1-5 year repayment options.
Representative example:
Order Value: £1,000
Deposit: £0
Term duration: 12 months
Representative APR: 9.9%
Cost per month: £87.68
Total amount payable: £1,052.04
Subject to status. Minimum spend required. 9.9% APR Representative. Terms and Conditions apply.
No Deposit - 9.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit, with 1-5 year repayment options.
Representative example:
Order Value: £1,000
Deposit: £0
Term duration: 12 months
Representative APR: 9.9%
Cost per month: £87.68
Total amount payable: £1,052.04
Subject to status. Minimum spend required. 9.9% APR Representative. Terms and Conditions apply.
Buy Now Pay Later
No Deposit - 19.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit.
No Deposit - 19.9% APR
Spend £500 or more on any flooring or bed product (excludes fitting) it's really quick to apply and you don't have to pay a deposit.
The buy now pay later finance option allows you to spread the cost of your purchase over your chosen term with an agreed non-payment period.
If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest but will pay an early settlement fee which is displayed at the start of your application and in your credit agreement.
If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term with interest charged at the rate set out in your credit agreement. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live.
Representative example:
Order Value: £500
Deposit: £0
Repaid over: 36 months
Deferred for: 12 months
Representative APR: 19.9%
Interest Charged: £271.84
Cost per month: £21.44
Total amount payable: £771.84
Order Value: £500
Deposit: £0
Repaid over: 36 months
Deferred for: 12 months
Representative APR: 19.9%
Interest Charged: £271.84
Cost per month: £21.44
Total amount payable: £771.84
Subject to status. Minimum spend required. 19.9% APR Representative. Early repayment fee applies. Terms and Conditions apply.
Credit subject to status. You must be aged 18 or over, resident in the UK for at least 3 years and have a minimum annual income of £10,000. View FAQs for more details. United Carpets Ltd is a credit broker and not a lender. Credit is provided by the lender Novuna Consumer Finance.
Klarna and PayPal
Shopping online has never been easier - you can checkout today using some of your favourite payment providers. Klarna and PayPal make shopping online safe and secure and provide flexible payment options direct to you.
Pay Over Time
Split your purchase into three payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first installment will be collected when your order is confirmed by the merchant and installment 2 and 3 are scheduled 30 and 60 days later, respectively. No interest.
Pay Later
Get what you love today and pay up to 30 days after placing your order. No upfront payments.
Pay in full today
When shopping your products, customers can pay instantly at checkout. It's convenient, secure and streamlines the purchase experience.
PayPal Express Checkout
PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. Find out more here.
Klarna is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.