Buy Now Pay 12 Months Later

At B&Q, our buy now, pay 12 months later finance option is available on kitchens, bathrooms, bedrooms, radiators, fires, flooring, tiling, garden furniture and hot tubs.

No interest if paid in full within 12 months

8.9% APR Representative

Order your dream kitchen or bathroom or kick off your project today!

With our buy now, pay later option you can be payment free for up to a year. Pay the balance in full within the year and pay no interest, or spread the cost over the next 36 months.

  • Minimum spend - £500
  • Maximum credit value - £25,000
  • Representative 8.9%APR (if not settled in the first 12 months)
  • Available on kitchens, bathrooms, bedrooms, radiators, fires, flooring, tiling, garden furniture and hot tubs

An ideal option if you prefer to pay for your new kitchen, bathroom or bedroom once it has arrived, or if you have other spending commitments in your first year

For kitchens, bathrooms and bedrooms, please book a design appointment to find out more. Our team of experts will help you plan and design your kitchen, bathroom or bedroom at no extra cost.

For radiators, fires, flooring, tiling, garden furniture please visit your nearest store and speak to a colleague.

    • Book a free design appointment: Your details

      Get your free kitchen design plus details on our finance options.

    • Required
      Please provide your phone number and/or email address  

      An in-store Design Expert will call you to make an appointment

      In case we can't get in touch with you via phone we'll get in touch via email

  • Book a consultation


Representative example
Total purchase price Deposit Loan amount 36 monthly payments* Total amount payable APR% representative Interest rate
£1,549 £0 £1,594 £52.92 £1,905.12 8.9% representative 5.7% fixed

Current Promotions

  • Explore our Kitchen ranges

    Fitted Kitchens

    Quality, fitted kitchens in a range of styles to suit you

  • Explore our Bathroom Suites

    Bathroom Suites

    Create the bathroom you've always wanted with our range of suites


Terms & Conditions

*No deposit offer ends 31st Jan 19. Minimum spend applies. Credit is subject to status. We reserve the right to remove this offer at any time. B&Q Plc acts as a credit broker and is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 712268). Credit is provided exclusively by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC authorised and regulated by the Financial Conduct Authority.

Monthly instalments will start 12 months after date of agreement, there are no exceptions to this.

† Flooring, tiles and decorative accessories not included.