interest free credit

Interest Free Credit

Time to get the dream space you’ve always envisioned in your home - perhaps a kitchen with granite worktops, or a bedroom with sliding wardrobe doors. Bring your ideas to life with interest free credit on kitchen, bathroom and bedroom projects.

Interest free credit is a great option if you'd like to spread the cost of your project over affordable monthly payments, with no interest added. You can finance everything from the cabinets and appliances, to the tiles, grout and paint, and even the curtains, lighting and accessories.

If you're starting a kitchen, bathroom or bedroom project, book a free planning appointment and our team of experts will help you plan your project at no extra cost.


  • Deposit - No deposit required
  • Maximum credit value - £25,000
  • Representative - 0% APR
  • Spend £500 for 6 months; £1,000 for 1 year; £2,500 for 2 years; £4,500 for 3 years; £6,500 for 4 years and £8,500 for 5 years interest free credit

 

 
Interest free credit
Term Min Spend Deposit Kitchen Kitchen appliances* Bathroom Bedroom Fires & Heating Flooring Garden Furniture Hot Tubs Tiling
6 months £500 0% Yes Yes Yes Yes Yes Yes Yes Yes Yes
12 months £1,000 0% Yes Yes Yes Yes       Yes  
2 years £2,500 0% Yes   Yes Yes        
3 years £4,500 0% Yes   Yes Yes          
4 years £6,500 0% Yes   Yes Yes          
5 years £8,500 0% Yes   Yes Yes          

 

*Appliances can be financed separately or as part of a kitchen project


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

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

No, there are no hidden costs or arrangement fees

When do my repayments start?

Payments start approximately 1 month after the date of the agreement

Can I make bigger repayments or pay off my loan earlier than agreed?

Yes, you can repay the credit early at any time in full or partially

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

Yes, there is a 14-day cooling off period, where you have the right to cancel the agreement

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 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 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 hfqueries@b-and-q.co.uk
  • 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. Spend £500 for 6 months, £1,000 for 1 year; £2,500 for 2 years, £4,500 for 3 years, £6,500 for 4 years and £8,500 for 5 years interest free credit on Kitchen, Bathroom and Bedroom projects. 6 months interest free credit also available when you spend £500 on Fires & Heating, Flooring & Tiling, Garden Furniture, Hot Tubs and Kitchen Appliances. 12 months interest free credit available when you spend £1,000 on Hot Tubs and Kitchen Appliances. 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 fixed monthly payments and buy now, pay later. Click to find out more.