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Buy Now Pay 12 Months Later

With buy now, pay later you can start important home projects without any hassle and create the space you’ve always wanted. Representative 13.9% APR.

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 or 60 months.

You can fund your entire project with us. For example, if you’re starting a bathroom project – you can finance everything from the basin and shower, to the tiles, grout, paint and even the lighting. Kick off your project today and book a free planning appointment.


Buy now, pay later is an ideal option if you prefer to pay for your new purchase once it has arrived, or if you have other spending commitments in your first year.

  • Deposit - No deposit required
  • Minimum spend - £500
  • Maximum credit value - £25,000
  • Representative - 13.9% APR (if not settled in the first 12 months)
  • Available on: kitchens, kitchen appliances, bathrooms, bedrooms, radiators, fires, flooring, tiling, garden furniture and hot tub

For us to consider your application, you’ll need to meet the following criteria;

  • Minimum age 18 at date of application
  • Maximum age 85 (at the end of the agreement), unless the term is no more than 12 months (in which case there is no maximum age limit)
  • Been living in a UK residence for the last 3 years minimum
  • Have a bank account which supports Direct Debit. The bank account must be in the name of the applicant, and they must be the only signatory required to authorise a Direct Debit
  • Employment status:
    • Employed full time (16hrs+ per/week)
    • Employed part time (up to 16hrs per week)
    • Self employed
    • Retired
    • In receipt of Disability Allowance
    • Homemaker
  • Have a mobile telephone number
  • Have a valid email address ​​​​​​
  • Have an individual gross income of £10,000 or more (or a joint income if married/living with partner/in civil partnership)

You can apply for credit at B&Q with one of our colleagues in store. They will be able to explain the credit options we offer and will take information from you in order to complete a credit application. You will be advised there and then whether your application has been successful.

Please remember to bring;

  • Proof of ID, such as a valid UK driving licence or passport
  • Proof of address

This Imandra bathroom for less than £53 per month

 

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Representative example
Total purchase price Deposit Loan amount 36 monthly payments* Total amount payable APR% representative Interest rate
£1,549 £0 £1,549 £59.51 £1,905.12 13.9% representative 5.75% fixed

 

Please click here for a list of items included in the representative example.

Total cost: £1,549†

 

† Flooring, tiles and decorative accessories not included.


How does buy now, pay later work?

Buy now pay later is a flexible credit option that allows you to take a ‘payment holiday’, with no payment required for up to 12 months following the date of the agreement. After 12 months, you can either pay the balance in full or can begin making monthly payments.

If you do not pay the full balance following the initial 12 month payment free period then the accrued interest will be charged.

Are there any arrangement fees or hidden costs when applying for credit?

No, there are no hidden costs or arrangement fees.

When will I have to start paying for my purchases?

Monthly instalments will start 12 months after date of agreement

Can I cancel if I change my mind?

Yes, you will have the right to withdraw from the agreement without giving any reason, for a period of 14 days. The 14-day period will begin on the day after the agreement is signed.

Will you check my credit file?

Yes. In order to process your application, credit and identity checks will be performed on you with one or more credit reference agencies.

How can I make a complaint about my credit agreement with B&Q or the goods I have purchased with it?

We try our best to ensure that our customers are happy with the goods or service they receive from us, however, mistakes can happen and we want to make sure that we do everything we can to correct these. If you have a complaint, a problem or any concerns, please let us know. 

B&Q Limited acts as a credit broker and not as a lender, authorised and regulated by the Financial Conduct Authority (FRN 712268), and introduces credit provided by Creation Consumer Finance Ltd.

If your complaint is about your Finance Agreement, contact Creation Consumer Finance;

  • By phone: 0371 402 8905 (Lines open 8.30am-5.30pm Monday-Friday, 8.30am-5.00pm Saturday)
  • In writing to: Creation Customer Resolution, Chadwick House, Blenheim Court, Solihull B91 2AA

If your complaint is about a product purchased from B&Q, contact B&Q Customer Services; 

  • By phone: 0333 014 3098 (Lines open 8am-8pm Monday-Friday, 8am-5pm Saturday, 10am-4pm Sunday) 
  • In writing to: B&Q Customer Services, North Avenue, Clydebank, West Dunbartonshire, G81 2NT 

If your complaint is about B&Q's involvement with the Finance Agreement, contact B&Q Finance Customer Services; 

  • By phone: 0333 014 3098 (Lines open 8am-8pm Monday-Friday, 8am-5pm Saturday, 10am-4pm Sunday) 
  • By email: hfqueries@b-and-q.co.uk 
  • In writing to: B&Q Customer Services, North Avenue, Clydebank, West Dunbartonshire, G81 2NT

More information about our complaints policy can be found on our complaints handling page.


Buy Now Pay 12 month later – 13.9% APR. Minimum spend £500. Settle in full within 12 months and pay no interest or spread the costs over 36 months or 60 months. Credit subject to status to UK residents age 18 or over. We reserve the right to remove this offer at any time. B&Q Limited acts as a credit broker and not as a lender, authorised and regulated by the Financial Conduct Authority (FRN 712268), and introduces credit provided by Creation Consumer Finance Ltd.


Not right for you? We also offer interest free credit. Click to find out more.