Spread the cost of your new floor.

Three simple ways to pay. Find the one that suits you.

Compare finance options Find a showroom

Which option suits you?

All subject to status and affordability. Our team can talk you through each one.

In store
Provided by Novuna

Interest free credit

Best for spreading the cost with no interest.

  • Spread the cost over 10, 12 or 24 months
  • Pay a deposit, then equal monthly payments
  • Settle early at any time
  • On selected products, minimum spend £500

Representative example

Representative APR0% APR

Cash price
£1,000.00
Deposit (20%)
£200.00
Amount of credit
£800.00
Rate of interest
0% fixed
Duration
24 months
Monthly payment
£33.33
Total amount payable
£1,000.00

10 and 12 month terms are also available. Fitting charges are not included in the credit.

Interest free credit explained
In store
Provided by Novuna

Buy now pay later

Best for getting your floor now and paying later.

  • Nothing to pay for up to 12 months
  • Pay in full before then with no interest, just a £29 settlement fee
  • Or spread the cost with monthly payments. Interest is charged from the start
  • For orders over £300

Representative example

Representative APR19.9% APR

Cash price
£1,000.00
Amount of credit
£1000.00
Rate of interest
19.9% fixed
Duration
48 months
Payments
12 months deferred, then 36 × £42.87
Total amount payable
£1,543.32
Settlement fee
£29 if settled within 12 months

Interest is calculated from the start of the agreement, so it builds up during the deferral period.

Buy now pay later explained
In store Online
Provided by Klarna

Klarna

Best for flexible ways to pay, in store or online.

  • Pay in full: pay now, quickly and securely
  • Pay in 30 days: pay up to 30 days later
  • Pay in 3: split the cost into 3 interest free payments, every 30 days
  • Choose Klarna in store or at checkout online, and manage payments in the Klarna app

Pay in 30 days and Pay in 3 are credit agreements provided by Klarna. 18+, UK residents only. Subject to status. Late fees may apply. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit.

Paying with Klarna

Compare at a glance.

Interest free credit Buy now pay later Klarna
Where In store In store In store and online
Interest None None if paid in full within 12 months (£29 fee). Charged if you spread the cost None on Pay in 3 or Pay in 30 days if you pay on time
How long 10, 12 or 24 months Up to 12 months deferred, then monthly payments 30 days, or 3 payments over 60 days
Deposit Yes May be required No
Minimum spend £500 £300 Set by Klarna
Provided by Novuna Personal Finance Novuna Personal Finance Klarna

How to apply.

Quick, simple and with our team there to help.

In store

Interest free credit, buy now pay later and Klarna

  1. Choose your floor

    Our team will show you which products are available on finance.

  2. Apply with us

    We'll walk you through the application and help you pick the right option.

  3. Get a decision

    Usually within a few minutes. Then we book your fitting or delivery.

Online

Klarna at checkout

  1. Add to basket

    Shop online as normal.

  2. Choose Klarna

    Pick Pay in full, Pay in 30 days or Pay in 3 at checkout.

  3. Manage in the app

    Track your order and payments in the Klarna app.

FAQ's

For interest free credit and buy now pay later you’ll need to be 18 or over, have lived in the UK for at least 3 years, be employed (over 16 hours a week), self employed, retired with a pension or receiving a disability benefit, and have a UK bank account and a debit or credit card registered to your address. Klarna sets its own criteria at checkout.

The lender will carry out a credit check when you apply, which is recorded on your credit file. Our team will explain what happens before you apply.

Yes. Interest free credit can be settled at any time. With buy now pay later, if you pay in full within the deferral period you only pay the £29 settlement fee and no interest. After that, you can still settle early and the lender will tell you the amount.

Fitting charges are not included in our interest free credit offer. Our team will confirm exactly what can be included when you apply.

No. We are a credit broker, not a lender. Interest free credit and buy now pay later are provided by Novuna Personal Finance, and Klarna’s payment options by Klarna. Your agreement is with them.

Contact your lender as soon as possible, as they can talk through your options. Free, impartial help is also available from MoneyHelper.

Important information

Think carefully before borrowing. Credit is subject to status and affordability, and is only available to UK residents aged 18 or over. Terms and conditions apply. Missing payments could affect your credit rating and your ability to borrow in future.

Jim’s Carpets Ltd t/a Floorstore is a credit broker, not a lender, and is authorised and regulated by the Financial Conduct Authority (FRN FN_FRN). We introduce customers to a limited number of lenders: Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, for interest free credit and buy now pay later, and Klarna Financial Services UK Limited for Klarna payment options. We may receive a commission or other payment from the lender for introducing you, which does not change the amount you pay.

Jim’s Carpets Ltd, registered in England No. 01220080. Floorstore Group, Unit 2 Orion Way, Off Far Lane, Leeds, LS9 0AR.