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Explore Our Easy Payment Options

Flexible payments never felt so good

Found the perfect flooring, bed, or mattress? Pay your way with flexible payment plans that make everything easier. 

When you upgrade your home with United Carpets and Beds, you can access a diverse range of payment options.

From new carpets to stylish beds and mattresses, you can choose from a range of payment solutions both in-store and online. 

We keep your choices clear so you can decide what works for you. Because care you can feel doesn’t stop at choosing a carpet or bed; it’s about finding the right payment plan. 

What are you Shopping for?

Carpet & Vinyl

Looking for carpet or vinyl flooring? You can generate a quote online before your local store finalises your purchase in-store, where you can choose from our IN-STORE EASY PAYMENT OPTIONS 

Smooth Flooring, Beds and Mattresses

If you're shopping for laminate, LVT, beds or mattresses, you can choose from our IN-STORE EASY PAYMENT OPTIONS or buy directly from our website using our ONLINE EASY PAYMENT OPTIONS. 

We make buying a new carpet, bed or mattress work for your budget

Choose from a range of in-store and online payment options designed to make quality upgrades for your home more affordable.

In-store Easy Payment Options

Whichever way you choose to pay, we ensure that there are no hidden costs or surprises.

You can buy any of our products in-store and choose from a range of Easy Payment Plans provided by Novuna Consumer Finance. These payment options are available on purchases 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
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. 
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. 
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 

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

Prefer to shop from home? You can buy flooring, beds and mattresses directly from our website and choose from a range of ways to pay.

Our Easy Payment Plans are available from Novuna Consumer Finance on qualifying purchases over £500. Regulated credit.

You can also check out using PayPal or Klarna, giving you more flexibility to choose the payment option that suits you.

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
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. 
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. 
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 

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 Later with Klarna
 
Split your purchase into 3 interest-free instalments with Klarna
 
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply.


Get 30 days to pay

 

Shop now and pay in 30 days from when your order ships. No upfront payments, no interest, and no fees when paid on time.¹

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Subject to status. Ts&Cs and late fees apply.


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 Financial Services UK Limited (“Klarna”) is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Electronic Money Regulations 2011 (firm reference number 1021834). Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND, UK.