Application Declined

Unfortunately, you have not been successful in your application for finance. Please note that this decision is made by our finance providers Novuna Finance UK Ltd and not by United Carpets and Beds.

If you have any questions about your application please contact Novuna directly.

However, we have exciting news! We have started working with an alternative finance provider called Snap Finance, meaning you could still complete your purchase using Snap Finance!
Apply Now
to see if your are eligible without leaving a trace on your credit file.

SEE IT.
WANT IT.
SNAP IT.

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Flexible repayment options to suit you

Representative 29.9% APR

Flexible repayment options available. Choose weekly, fortnightly, every four weeks or monthly

Representative Example: Cost of Goods £1200, Deposit £50, Amount of Credit £1,150, Annual Fixed Interest Rate 26.47%, Monthly Payment £46.85, Term 36 months, Total Payable £1736.60, Representative 29.9% APR.

Check eligibility
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Flexible repayment options available. Choose weekly, fortnightly, every four weeks or monthly

Representative Example: Cost of Goods £1200, Deposit £50, Amount of Credit £1,150, Annual Fixed Interest Rate 26.47%, Monthly Payment £46.85, Term 36 months, Total Payable £1736.60, Representative 29.9% APR.

Who are Snap?

Snap Finance allows you to shop now and pay later, by spreading the cost over time.

Shop today, with the flexibility to spread the cost up to 36 months, in line with your budget.

Snap Finance helps you spread the cost

When you qualify for Snap Finance, you can choose to pay your balance off in 4 months, over the full term, or call up and make early repayments. Whether you spread the cost over 4 or 36 months, you're in control.

Pay in 4 - Should you pay off your balance in 4 months, Snap will cancel any interest you owe.*

*Interest is charged from the day your loan starts and will only be cancelled if you pay off the amount of credit advanced within the Pay in 4 Period.

Why choose Snap?

  • Loans available from £250 - £5,000
  • Check your eligibility without affecting your credit score.
    Please note: A hard credit search will be required at point of completion of your loan.
  • Snap will tell you how much you can borrow instantly
  • Help and support will always be available via phone, email or SMS
  • Get access to the best products and fair prices
  • Join the thousands of customers already using Snap Finance
  • Snap are highly rated on Trustpilot
  • Your finances are in safe hands. We are authorised & regulated by the Financial Conduct authority with Reference Number 741813
Check eligibility

How do I qualify to apply for Snap Finance

Snap have helped thousands of customers get what they need. They want to help you choose a finance option that suits you. To apply, they just ask that you:

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Over 18 years of age

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£200+ income per week

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Valid bank account to set up a direct debit

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Deposit paid by credit or debit card

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UK resident

Check eligibility

Representative Example: Cost of Goods £1200, Deposit £50, Amount of Credit £1,150, Annual Fixed Interest Rate 26.47%, Monthly Payment £46.85, Term 36 months, Total Payable £1736.60, Representative 29.9% APR.

United Carpets (Franchisor) Ltd trading as United Carpets is authorised and regulated by the Financial Conduct Authority (Firm reference number 05265615). We are a credit broker, not a lender, and offer credit facilities from Snap Finance. Snap Finance Ltd act as the lender.