Call us for a free home visit 02920 191 465
Up to 12 months

Interest Free Credit 0% APR Representative

on orders over £250. No deposit required. Contact Us Today

We offer 0% Interest free credit with all our carpets. This is an in-store only offer and is not available for online sales. Please contact one of our stores for more information.

Minimum spend is £250 in conjunction with the purchase of Cosi 10mm underlay or better.

Free Underlay offers are included but underlay must be upgraded to Cosi 10mm  

Fitting fees are not included with the finance option and must be paid in full directly to the fitting teams on the day of fitting. Only flooring materials can be financed.

Terms are usually over 12 months but can be less as terms are flexible.

Offer is subject to status if accepted by V12 Finance. Applicants must be over 18 years old, be a permanent UK resident and be in full time employment. You must be able to provide proof of address & signature. Payments to be made by direct debit and the term can vary between 3 to 12 months. Please note this offer is not available to business customers. 

For more info please contact one of our staff members on        029 20191465 or search V12 retail finance.


Loan calculator

Use this calculator to see which finance option suits your purchase.

Finance is subject to status. Terms and conditions apply.

0% Finance over 12 Months

A loan of £600 with no deposit and no interest. The full amount is paid in 12 monthly installments of £50.00

Cash Price
Deposit (if applicable)
Number of monthly installments
Monthly installment amount
Total amount repayable
Representative APR

For any questions regarding finance, call us on 02920 191 465

Frequently Asked Questions

In order to apply for finance you must:

  • Be at least 18 years of age.
  • Be employed for more than 16 hours a week or self-employed. Unemployed or retired applicants must have a partner full time employment.
  • Have been a UK resident for 3 years or more.
  • Be able to make repayments by direct debit.
  • Be able to provide your previous address if you have lived at your current address for less than 3 years.
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Yes. There's a set minimum so be sure to check your order so that it qualifies. To qualify for our 0% finance your order must be a minimum of £250 excluding fitting.

All of our carpets and underlay are eligible for 0% finance, as long as the order meets the minimum and maximum values.

No deposit is required on any of our options!

The application form asks for your name, date of birth, 3 year address history, phone and email contact details, income and employment information. If you are accepted you will also need a credit or debit card registered to your name and address as they appear on the application.

It takes around 5 minutes to fill out the form and you should get an answer to your application instantly. However in some cases V12 Retail Finance, our finance provider, will need a little more time to look at the application in more detail. You can fill out the application in-store or we can email it to you to fill out at home

We are only able to deliver your goods to the address on your credit agreement (your home address). You will not be able to have goods shipped to another address or collect the goods from us in person. However you can call V12 Retail Finance Underwriting to verify your alternative address.

After your application is approved, you will receive an email directly from V12 Retail Finance who will outline the next steps to follow to confirm your identity. We will then ready your order for delivery.

In the event that your application is not accepted, you are still welcome to pay with the conventional methods.

Yes. Simply contact V12 Retail Finance on 029 2046 8900 and they will calculate your outstanding finance and provide your settlement figure in line with the Consumer Credit Act.
The 0% offer can simply be paid whenever you're ready, for no extra cost.

No, returns are still accepted according to our Terms and Conditions via our Customer Services department, who will contact the finance company on your behalf in this situation.  If the full order is returned, the credit agreement will be cancelled. If only part of the order is returned, the credit agreement will be adjusted accordingly.