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Finance your kitchen project with us
When it comes to financing a big kitchen project, we understand everyone’s different. That’s why we’ve created a range of flexible finance options, so there’s sure to be one that’s right for you. You can fund your entire kitchen project with us*, from cupboards and worktops, to appliances and flooring.
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What is FlexiPlan?
We’ve partnered with finance provider Creation to bring you FlexiPlan, an easy to control credit account for your B&Q purchases over £75. You can finance your entire kitchen purchase with a B&Q FlexiPlan account (17.9% APR).
With a FlexiPlan finance account you can take control of the way you pay for those home improvements again and again, big and small. Start by tailoring your repayments, then look after your account online – track your balance and choose the term for each new purchase. Creation provides the finance, and it’ll be their name on your bank statement. They have over 50 years of experience, so you’re in good hands.
At the moment, you can only use a FlexiPlan credit account for purchases made in a B&Q store. The application process is online, once approved you will need to visit your local B&Q store to make a purchase.
When you open a FlexiPlan credit account you can spread the cost of your purchases with our huge range of credit terms. One application, one credit search, multiple repayment options.
Interest free credit
Is not paying any interest your number one priority? Spend over £1,000 and you will have the option to spread the cost interest free…
- £1,000 for 1yr interest free
- £3,000 for 2yrs interest free
- £6,000 for 3yrs interest free
- £9,000 for 4yrs interest free
Buy now pay nothing for 12 months
Would you like to pay nothing for up to 12 months? Select our Buy Now Pay Later option to pay nothing for up to 12 months and spread the cost between 12-36 months on purchases over £500. (17.9% APR representative)
Low monthly payments
Is a low fixed monthly payment important to you? Choose a term to suit your budget on purchases over £75. Spread the cost from 3-60 months. (6.9% APR representative between 6th June 2025 and 1st July 2025, 17.9% APR representative thereafter)
Interest free credit
Is not paying any interest your number one priority? Spend over £1,000 and you will have the option to spread the cost interest free…
- £1,000 for 1yr interest free
- £3,000 for 2yrs interest free
- £6,000 for 3yrs interest free
- £9,000 for 4yrs interest free
Buy now pay nothing for 12 months
Would you like to pay nothing for up to 12 months? Select our Buy Now Pay Later option to pay nothing for up to 12 months and spread the cost between 12-36 months on purchases over £500. (17.9% APR representative)
Low monthly payments
Am I eligible for finance?
If you can you answer yes to all the questions below, good news, you are eligible to apply for a B&Q FlexiPlan account.
- Are you aged between 18 and 80?
- Do you have a minimum net income of £10,000 a year or more?
- Have you been a UK resident for at least 3 years?
- Can you provide a telephone number?
- Do you have a bank account in your name, which Direct Debits can be taken from?
- Can you provide valid proof of ID?
If you fit the criteria and want to apply, click the button below to begin the application process. You’ll be taken through to the credit application website hosted by our partners, Creation Consumer Finance Ltd.
You can complete the eligibility checker and get a decision right away. Checking whether you're eligibile won't affect your credit score.
What happens next?
Proof of ID
We'll ask you for some personal details and proof of ID (passport, or driving licence.)
Eligibility check
We'll carry out a quick eligibility check without affecting your credit rating.
E-sign the agreement
Once accepted, you’ll need to review your application and e-sign the agreement.
Register your account online
Get access to the Online Account Manager, which allows you to select a repayment option each time you make a purchase.
Calculate your FlexiPlan finance
Terms & conditions
Credit available on purchases from £75. 6.9% APR Representative. Offer available 6th June 2025 to 1st July 2025. Exclusions apply. Credit subject to status. B&Q Limited acts as a credit broker and not as a lender. Credit is provided by Creation Consumer Finance Ltd. Both B&Q Limited and Creation Consumer Finance Ltd are authorised and regulated by the Financial Conduct Authority.
Buy Now Pay Later 17.9% APR Representative. Buy Now Pay Later available on purchases from £500. If you pay your full credit balance by your agreed end date, you will pay no interest on your purchase. Any payments that you make towards this amount by the end of the Buy Now Pay Later period will not incur any interest. Any balance left to pay after this date, will incur interest at the rate of interest shown on your credit agreement from the date of your purchase.
Interest Free Credit offer requires a B&Q FlexiPlan credit account. With your FlexiPlan account you get a credit limit that you can use for future purchases at 17.9% APR representative (variable). Spend £1,000 for 1yr, £3,000 for 2yrs, £6,000 for 3yrs, £9,000 for 4yrs, interest free credit