Planning a kitchen project needn’t mean paying everything upfront. This short guide explains how finance works at B&Q, with in-store FlexiPlan and online PayPal Pay in 3. You’ll see when interest-free deals apply and how longer plans or low monthly payments can help spread cost.
FlexiPlan offers interest free periods for qualifying spends—£1,000 up to £9,000 unlocks 1–4 years of free credit in store. For online baskets, PayPal Pay in 3 handles smaller buys. Representative rates apply to non-promotional plans, and buy now, pay later lets you pay nothing for up to 12 months on larger orders.
Credit is provided by Creation Consumer Finance Ltd while B&Q acts as a credit broker. Both are authorised and regulated by the Financial Conduct Authority. Credit is subject to status and a minimum spend applies, so check eligibility and how the account and payments work before you commit.
Key Takeaways
- Interest free periods apply in store via FlexiPlan for set minimum spends.
- Online purchases can use PayPal Pay in 3 for simple short-term finance.
- Most non-promotional plans show a 17.9% APR representative for longer terms.
- B&Q acts as a credit broker; Creation provides the credit and handles the account.
- Check the small print: minimum spend, credit status and missed payments impact your file.
- Find full details and examples at kitchen finance.
At a glance: kitchen finance at B&Q today
A short overview helps you spot which finance option matches your kitchen budget and timeline.
Interest free credit thresholds for kitchen projects
FlexiPlan in store unlocks staged interest periods when you meet spend thresholds. Spend £1,000 for 1 year, £3,000 for 2 years, £6,000 for 3 years or £9,000 for 4 years. These tiers suit small upgrades through to full refits.
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Other ways to spread the cost: BNPL and low monthly payments
Buy Now, Pay Later offers a pay nothing period for up to 12 months on purchases over £500. After that you can move to fixed monthly payments across 12–36 months at a representative rate of 17.9% APR.
- Low monthly payments from £75 let you spread cost over 3–60 months (17.9% APR representative).
- Minimum spend applies and will be shown at the point of sale so you can choose the right plan.
- Manage your account online to track period, payments and remaining balance.
“Check the total cost, not just the monthly amount — early repayments can reduce overall charges.”
| Option | Spend threshold | Typical period | Representative rate |
|---|---|---|---|
| FlexiPlan | £1k / £3k / £6k / £9k | 1 / 2 / 3 / 4 years | Promotional (varies) |
| Buy Now, Pay Later | Over £500 | Pay nothing up to 12 months, then 12–36 months | 17.9% APR representative |
| Low monthly payments | From £75 | 3–60 months | 17.9% APR representative |
do b&q do interest free credit on kitchens
Yes — B&Q offers in-store FlexiPlan for qualifying kitchen spends. If your basket meets the thresholds, you can pick a promotional period that suits your project and manage the plan via a single account once approved.
How budgets map to 1–4 year interest periods
Spend £1,000 and get a 1 year promotional period. Spend £3,000, £6,000 or £9,000 and you unlock 2, 3 or 4 years respectively.
These tiers suit small refreshes through to full refits, letting you match cabinet, worktop and appliance costs to a period that lowers upfront cost.
When the promotion won’t apply
Some items are excluded. Gift cards and products sold or shipped by third‑party marketplace sellers on diy.com cannot be financed with FlexiPlan.
Minimum spend rules apply, offers vary by day and approval is always subject to status. If your basket falls short, consider low monthly payments or pay later alternatives instead.
“Check the exact terms conditions in store before you buy so you know which offer applies to your order.”
All finance options explained: choose how you pay
Compare the main routes available and pick the one that matches your schedule and budget.
Interest free credit (in‑store FlexiPlan) gives defined promotional periods when you meet spend thresholds. Spend £1,000 for 1 year, £3,000 for 2 years, £6,000 for 3 years or £9,000 for 4 years.
Buy Now, Pay Later
For purchases above £500 you can pay nothing for up to 12 months. If a balance remains after that period, interest is charged from the purchase date and you move to 12–36 month plans at a 17.9% APR representative.
Low monthly payments
Choose flexible terms from 3 to 60 months for smaller spends from £75. These plans carry the 17.9% APR representative rate and help spread cost for staged projects or add‑ons.
Online vs in‑store
Use PayPal Pay in 3 for online baskets. For full kitchen orders and design appointments in store, apply for a FlexiPlan account. One approved application creates an account you can manage via the online account manager or app.
- Tip: early repayments are allowed and can reduce total charges.
- Tip: check each agreement for the exact rate and repayment period before you sign.
“Think beyond the monthly sum — compare total cost, period and rate before you commit.”
Eligibility and what lenders look for
Lenders focus on straightforward tests to make sure a finance plan fits your circumstances. They check age, residency, income and ID, and then assess affordability before an account is opened.
Basic criteria: age, UK residency, income and ID
To apply you must be aged 18–80, a UK resident for at least three years and have a net annual income of at least £10,000.
You also need a telephone number, a bank account for Direct Debits and valid ID such as a full UK driving licence or a passport.
Credit subject to status: what “subject to status” means
“Subject to status” means the lender verifies affordability and checks past repayment behaviour before granting finance.
This assessment balances income, existing commitments and credit history to decide the suitable period and payments.
- Try the eligibility checker first: it gives an indication without affecting your credit score.
- Have ID and contact details ready to speed the application.
- If approved, your account will show a credit limit you can use again for further kitchen purchases within the limit.
“These checks are in place because this is an authorised regulated financial product, designed to promote responsible lending.”
How to apply and get a quick decision
Applying is designed to be swift so you can finalise your kitchen plan without delay.
Use the eligibility checker without affecting your credit score
Start with the soft-search eligibility checker. It gives a fast confidence check and will not show on your credit file.
This step is private and won’t be seen by other lenders. It helps you avoid unnecessary hard lookups before you commit.
Application journey: proof of ID, e-sign, and set up your account
Have your passport or UK driving licence to hand. You’ll enter personal details, complete the affordability check and e-sign the agreement if accepted.
Once approved, register your online account to manage the account and pick promotions per purchase. The application is built for quick decisions so store orders can be completed the same day.
Managing your account: Online Account Manager and the Creation app
- View your balance and statements and check the period for any promotional plan.
- Make regular payments or extra repayments to reduce the overall cost and shorten the date the plan ends.
- Choose months and promotions per transaction to spread cost across stages of your project.
- Use the app to manage your limit, view messages and contact support if you need help.
“Run the soft-check first, then finish the application with ID and an e-sign for a fast outcome.”
Costs, rates and small print you should know
Look closely at the rate, the qualifying spend and what happens when a promotional period ends.
APR representative — Non-promotional plans typically show a 17.9% APR representative (variable). This is the common rate applied once any special offer ends, so check the exact rate on the agreement before you sign.
APR representative, minimum spend applies and promotional terms
Promotional tiers require a minimum spend and vary by offer. Interest‑free periods start at the thresholds shown in store, and BNPL has its own qualifying value.
Always read the terms conditions for exclusions — some items may not qualify and promotions will display the exact criteria at point of purchase.
Buy Now Pay Later interest after the offer period
If any balance remains after the special offer ends, interest may be charged from the purchase date at the rate in your agreement.
Plans often continue over 12–36 months at the representative rate, so plan repayments with the full cost in mind.
Missed payments, fees and your credit file
Missed or late payments can trigger fees, extra interest and harm your credit file, making future applications harder.
- Manage your account in the online manager or app to view your balance and upcoming months.
- Make extra repayments where possible to reduce overall cost and shorten the period left on your plan.
- If affordability changes, contact Creation early to discuss options — acting quickly can lower fees and limit harm to your file.
“Keep budgeting for repayments and check the small print so the rate, period and cost are clear before you apply.”
Who provides the credit and how B&Q is regulated
Clear roles make it easier to manage your kitchen purchase and understand who handles payments and service. Knowing which firm issues the loan helps you know where to find your account details and statements.
Credit provided by Creation Consumer Finance Ltd
Your finance is credit provided by Creation Consumer Finance Ltd. They issue the agreement, set the credit limit and manage repayments via the online account manager.
B&Q Limited acts as a credit broker, not a lender
B&Q Limited acts as a credit broker. This means the retailer introduces you to the lender and displays promotional terms, but does not lend the money itself.
Authorised and regulated by the Financial Conduct Authority
Both firms are authorised and regulated by the Financial Conduct Authority. That oversight ensures clear conduct, fair treatment and regulated financial safeguards.
Credit is subject to status and minimum spend rules apply. Formal terms appear before you e-sign so you know the limits, promotional period and how the account works.
“You’ll see the lender’s name on statements and in your online account; they handle servicing and any queries about your balance.”
| Role | Company | What they do |
|---|---|---|
| Legal lender | Creation Consumer Finance Ltd | Issues loans, sets limits, manages the account and repayments |
| Credit broker | B&Q Limited | Introduces applicants to the lender and shows available promotional terms |
| Regulator | Financial Conduct Authority | Authorises and supervises firms to protect customers and ensure fair practice |
Kitchen scenarios: example ways to spread the cost
Below are practical scenarios that map typical kitchen spends to available plans and payment choices. Each shows how a promotion or pay later option can help spread cost across months.
Small makeover: £1,200 worktop and appliances
Scenario: a £1,200 spend hits the £1,000 tier and usually qualifies for a 1‑year interest period.
Result: equal monthly payments across 12 months and no interest if the promotional terms apply. Alternatively, use Buy Now, Pay Later to pay nothing for a short holiday and clear the balance before the offer end date.
Mid-range refit: £3,500 cabinets and fittings
This basket reaches the £3,000 threshold so a 2‑year promotional period is available. That spreads cost with no interest during the period.
If you prefer a payment break, BNPL gives a pay nothing window up to 12 months, but any remaining balance may attract interest from purchase and then move to 12–36 months at the apr representative rate.
Full renovation: £9,000+ kitchen
Spending £9,000 or more unlocks up to 4 years of promotional cover to spread cost over a longer period without interest.
Use your online account or app to track months, balance and make extra repayments to reduce overall cost if a plan carries charges.
- Tip: if your basket falls short, consider eligible add‑ons or low monthly payments from £75.
- Tip: check that minimum spend applies and that the chosen promotion covers all items in your basket.
- Tip: always compare total cost between promotional, BNPL and low monthly payment options.
“Match the plan to your cashflow — clear BNPL balances before the offer ends to avoid charges.”
Conclusion
This final summary helps you pick the right finance route and avoid surprises when paying for a kitchen.
FlexiPlan offers staged interest‑free periods at set spend thresholds so you can spread cost across 1–4 years. If your basket is smaller, consider Buy Now, Pay Later or low monthly payments, both of which may move to a 17.9% APR representative if a balance remains.
Credit is provided by Creation Consumer Finance Ltd while B&Q Limited acts as a broker lender and both are authorised and regulated by the Financial Conduct Authority. Check the minimum spend shown in store and review your online account to monitor balance and payments before you e‑sign any agreement.
Compare rate, period and monthly payments, then pick the option that fits your budget and timeline. For further reading about kitchen services and costs see kitchen services and costs.
FAQ
Do B&Q offer interest free credit for kitchens?
Yes — B&Q offers in-store finance through its FlexiPlan, with promotional no-cost periods on qualifying kitchen spends. Availability depends on the exact purchase, minimum spend and current promotions, and credit is provided subject to status by Creation Consumer Finance Ltd.
At a glance, what finance options are available for kitchen projects today?
You can choose promotional no-cost periods on select spends, Buy Now Pay Later plans that let you pay nothing for up to 12 months, or standard spread-the-cost agreements with fixed monthly payments. Options vary by whether you apply in-store or online and by the size of your project.
What are the thresholds for promotional no-cost periods on kitchen projects?
Typical tiers tie the length of the promotion to the spend. For example, shorter promotional periods apply at lower spends and longer periods at higher spends. Exact figures, minimum spend applies and are confirmed at point of sale.
What other ways can I spread the cost besides promotional plans?
Alternatives include Buy Now, Pay Later online, low monthly payment agreements over a longer term, and standard finance packages. Representative APRs apply on some plans, and buy-now-pay-later offers may charge interest once the initial period ends.
Is the promotional no-cost plan available in-store only?
The FlexiPlan is typically offered in-store, while online options include PayPal Pay in 3 for smaller baskets and other BNPL services. Terms, eligibility and the availability of specific promotional periods differ between channels.
How do kitchen budgets map to 1–4 year no-cost periods?
Promotional lengths usually rise with spend: entry-level projects may qualify for around 1 year, mid-range for 2 years, higher-value refits for 3 years and top-tier builds for up to 4 years. Confirm exact thresholds and minimum spend with the store or online finance information.
When won’t the promotional no-cost period apply?
The offer won’t apply if your purchase doesn’t meet the minimum spend, if exclusions apply to certain products or services, or if your finance application is declined. Promotional deals also change, so the terms at purchase matter.
What are the specific example finance options B&Q lists?
Example arrangements include one-year no-cost on lower spends, two-year no-cost around mid-range spends, and three- to four-year no-cost on larger projects. Buy Now, Pay Later may let you pay nothing for up to 12 months, then move to longer-term plans with a representative APR typically shown at point of sale.
How does Buy Now, Pay Later work and what happens after the promotional period?
BNPL can let you defer payments for a set period (often 12 months). If you haven’t cleared the balance by the end of that period, interest may be charged on the remaining amount at the plan’s standard rate. Always check the APR representative and promotional end date.
Can I spread the cost over 3–60 months?
Yes — longer-term plans are offered to spread payments over several months. These agreements usually carry a representative APR and fixed monthly repayments. Exact terms depend on lender criteria and the agreement selected.
What is the difference between online and in-store finance?
In-store finance often includes FlexiPlan and bespoke promotional tiers for larger kitchen projects. Online options tend to include PayPal Pay in 3 or other BNPL products for smaller baskets. Channel-specific offers, application steps and eligibility checks vary.
What basic criteria do lenders check for eligibility?
Lenders typically check your age (18+), UK residency, identity, income and ability to repay. Credit decisions are subject to status and may include a soft or hard credit search depending on the provider and the stage of application.
What does “subject to status” mean for my application?
It means approval depends on a lender’s assessment of your credit history and financial circumstances. Not everyone who applies will be accepted, and the offered terms can vary between applicants.
Can I check eligibility without harming my credit score?
Many retailers offer an eligibility checker that uses a soft search so you can see likely offers without impacting your credit file. A full application may require a hard search, which can be visible to lenders.
What documents and steps are involved in the application journey?
Expect to provide proof of ID, UK address and income. Applications often include e-sign agreement, setting up an account with the lender and a credit check. The process is usually quick and gives a near-immediate decision in many cases.
How do I manage my finance account?
You can manage repayments, view statements and make overpayments via the lender’s online account manager or mobile app. Details are provided after your agreement is confirmed.
What costs, rates and small print should I watch out for?
Look for the APR representative, minimum spend applies and the length of promotional periods. Check when interest starts, how missed payments are handled and any fees. Promotional terms can change, so read the full agreement.
What happens if I miss a payment?
Missed payments can incur fees, increase the amount you owe and affect your credit file. Lenders outline late-payment charges and default procedures in the agreement, so set up reminders or direct debits to avoid issues.
Who provides the credit for B&Q finance offers?
Credit is provided by Creation Consumer Finance Ltd. B&Q Limited acts as a credit broker, not a lender, and introduces customers to the credit provider under regulated arrangements.
Is B&Q regulated for offering finance?
Yes — the arrangement is authorised and regulated by the Financial Conduct Authority. The retailer acts within limited regulated activities while the lender handles the credit agreement and regulatory responsibilities.
Can you give practical kitchen scenarios showing how finance might work?
Small makeover: a £1,200 worktop and appliances may qualify for a short promotional period or Pay in 3 online. Mid-range refit: £3,500 could qualify for a two-year promotional arrangement or BNPL. Full renovation: £9,000+ may be eligible for up to four years of promotional finance. Exact terms depend on current offers and eligibility.
What should I do before applying for kitchen finance?
Check the minimum spend applies for any promotion, compare APRs and monthly costs, use an eligibility checker and read the full terms. Make sure the repayment plan suits your budget and ask staff in-store for clarification if needed.