Fixed Monthly Payments

Make your dream space a reality with fixed monthly payments on kitchen, bathroom and bedroom projects. Representative 4.9% APR.

Flexibility when you need it. With fixed monthly payments, you can spread the cost of your project across 1 to 5 years. Spreading the repayments across a longer period can help to reduce the size of your monthly repayments so that they’re easier to manage.

You can fund your entire project with us. For example, if you’re starting a bedroom project – you can finance everything from the furniture and storage, to the flooring, wallpaper and paint, and even the curtains, lighting and accessories. Kick off your project today and book a free planning appointment.

Deposit - No deposit required
Minimum spend – £500
Maximum credit value – £25,000
Representative - 4.9% APR
Spread the cost over 1- 5 years
Available on: kitchens, bathrooms and bedrooms

To find out more book a planning appointment for your kitchen, bathroom or bedroom project. Our team of experts will help you plan your kitchen, bathroom or bedroom at no extra cost.

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 Shaker sliding door wardrobe for less than £78 per month


Representative example
Total purchase price	Deposit	Loan amount	12 monthly payments	Total amount payable	APR% representative	Interest rate
£905.00	£0	£905.00	£77.39	£928.68	4.9%	2.62% fixed

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

Total price: £905.00 †

† Representative example is for wardrobe only. Other furniture, lighting, flooring and decorative accessories not included.

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

No, there are no hidden costs or arrangement fees.

Can I cancel if I change my mind before the first repayment?

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, authorised and regulated by the Financial Conduct Authority (FRN 712268), and introduces credit provided by Mitsubishi HC Capital UK PLC, authorised, and regulated by the Financial Conduct Authority.

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

By phone: 0113 380 1065 (Lines open 8.45am-5.15pm Monday-Thursday, 8.45am-4.45pm Friday)
By email to: CustomerExperienceTeam.HitachiPersonalFinance@hitachicapital.co.uk
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: 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.

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 Novuna Personal Finance, a trading style Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.

Book a free planning appointment

Not right for you? We also offer interest free credit and buy now, pay later. Click to find out more.