Interest Free Credit

Interest Free Credit

There’s no deposit to pay and 0% APR with our interest free credit option.

Interest Free Credit

Buying new flooring for your home can be an investment, so we’re here to help, every step of the way.

Now you can have flooring you really want with up to 30 months interest free credit, 0% APR and no deposit! At Carpetright, we can offer you a range of interest free payment options on all purchases of £500 or more (excluding fitting and service costs).

How does interest free credit work?

Once the finance has been accepted, we’ll set up a direct debit with your bank and you can decide how long you’d like to pay the balance off. You can choose to spread your payments across either 6, 10, 20 or 30 monthly interest free instalments (provided you’ve reached the minimum spend required). A member of our team will clearly explain all your options when you visit a store to place your order.

These monthly payments don’t include the cost of fitting your flooring as it’s carried out by third parties, so that’s the only thing you’ll need to pay for at the time of having your flooring fitted.

Take a look at the table below to see an example of what your monthly payments might be.

How much will it cost me?

Months Minimum Spend Monthly Payment Amount of Credit
6 £500 £83.33 £500
10 £1,000 £100 £1,000
20 £2,000 £100 £2,000
30 £3,000 £100 £3,000
Representitive Example
Cash Price £2000
Deposit £0
Number of payments 20
Monthly payment £100
0% APR representitive Interest rate 0% fixed

Who is eligible for interest free credit?

To take advantage of our interest free credit payment option, you must tick the following three boxes:

- Minimum age of 18 years

- UK resident of more than 3 years

- Own personal bank account from which a Direct Debit can be taken

- Permanent employment, working minimum 16 hours per week

- Self Employed

- Retired person

- On disability allowance

- Registered carer

- Houseperson with a working Spouse or Partner

Credit excludes fitting and service charges. £500 minimum credit value. No deposit required. Terms and conditions apply. Subject to status and affordability. Carpetright is a trading name of Tapi Carpets & Floors Ltd, registered in England & Wales (company number 09247255) and has its registered office at 1a Spur Road, Orpington, Kent, BR6 0PH. Tapi Carpets & Floors Ltd is authorised and registered by the Financial Conduct Authority (registration number 706358). We act as a credit broker for the purpose of introducing credit provided by the lender Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC