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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 8.9% 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.

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 - 8.9% APR (if not settled in the first 12 months)
  • Available on: kitchens, kitchen appliances, bathrooms, bedrooms, radiators, fires, flooring, tiling, garden furniture and hot tubs

For us to consider your application, you’ll need to;

  • Be 18 years +
  • A UK resident for at least 12 months
  • Employed (minimum 16 hours), retired or receiving disability benefit
  • Have a bank account so that we can arrange a direct debit for monthly repayments

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


Representative example
Total purchase price Deposit Loan amount 36 monthly payments* Total amount payable APR% representative Interest rate
£1,549 £0 £1,549 £52.92 £1,905.12 8.9% 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 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, authorised and regulated by the Financial Conduct Authority (FRN 712268), and introduces credit provided by Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority.

If your complaint is about your Finance Agreement, contact Hitachi Personal Finance;

  • By phone on 0113 380 1065 (Lines open 8.45am-5.15pm Monday-Thursday, 8.45am-4.45pm Friday)
  • By email to
  • In writing to; Customer Experience Team, Hitachi Personal Finance, 2 Apex View, Leeds, LS11 9BH.

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

  • By phone on 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 on 01302 764288 (Lines open 8am-6pm Monday-Friday, 9am-5pm Saturday)
  • By email to
  • In writing to; Finance Customer Service Team, 1st Floor, B&Q Doncaster, Catesby Park, Doncaster, DN4 8DE

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

No deposit required. Minimum spend £500. Credit available on Kitchen, Bathroom and Bedroom projects, Fires & Heating, Flooring & Tiling, Garden Furniture, Hot Tubs and Kitchen Appliances. Monthly instalments will start 12 months after the date of the agreement. Credit subject to status. We reserve the right to remove this offer at any time.

B&Q Limited acts as a credit broker, authorised and regulated by the Financial Conduct Authority (FRN 712268), and introduces credit provided by Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority.

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