Finance Options

Spread The Cost With Flexible Finance

At Carters Carpets & Flooring, we understand that new flooring is an investment in your home. To help make your purchase more manageable, we offer a range of flexible finance options through our finance partner, Buyline Ltd.

Used responsibly, finance can be an effective way to spread the cost of your purchase while allowing you to enjoy your new carpets or flooring without delay.

Our finance application process is straightforward, secure, and can be completed from the comfort of your home.

Have Questions - Get Answered Here!

How Our Finance Works

If you are considering finance, simply speak with a member of our team and we will explain the available options and guide you through the process.

Applications are completed online through Buyline’s secure platform. The application typically takes only a few minutes to complete, and in most cases you will receive an instant decision.

All finance applications are subject to status, affordability checks, and lender approval.

Available Finance Options

We currently offer a selection of interest-free finance plans designed to help spread the cost of your purchase.

Available Terms

6 Months Interest Free Finance
9 Months Interest Free Finance
10 Months Interest Free Finance
11 Months Interest Free Finance

Finance Limits

Minimum loan amount: £250
Maximum loan amount: £25,000

Deposit Options

Customers can choose to pay a deposit between 10% and 50% of the total purchase value.

Eligibility Criteria

To be considered for finance, applicants must:

Be aged 18 years or over
Be a UK resident
Have a valid email address and telephone number
Hold a UK bank account
Have an annual income exceeding £9,500
Work a minimum of 16 hours per week
Have a minimum of 3 years UK address history

Meeting the eligibility criteria does not guarantee acceptance.

Finance is subject to application, financial circumstances, and borrowing history.

Finance Calculator

Use our calculator to get an example of how our 0% APR finance could work.

Total cost of goods/services (£) Deposit percentage Finance term

Representative Example

Cost of Goods/Services£1,499.00

Deposit£149.90

Loan Amount£1,349.10

Term11 months

Monthly Repayments£122.65

APR Representative Fixed0%

Total Charge for Credit£0.00

Total Amount Repayable£1,499.00

Finance is subject to application, financial circumstances and borrowing history. Luke Carter t/a Carters Carpets & Flooring is a credit broker, not a lender. We do not charge for credit broking services.

Important Information

Luke Carter trading as Carters Carpets & Flooring is a credit broker and not a lender.

We do not charge customers for our credit broking services.

We will introduce you to finance products provided by Buyline Ltd, who are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 805162.

Please note that interest-free credit agreements with a repayment term of less than 12 months may be exempt from FCA regulation.

Buyline Ltd Registered Office:
B12 Elmbridge Court, Cheltenham Road East, Gloucester, GL3 1JZ

Company Registration Number: 11223350

Responsible Lending

Finance should always be considered carefully. Missing payments may affect your credit rating and could impact your ability to obtain credit in the future.

If you are unsure whether finance is right for you, please speak with our team before applying.

Book a call back to answer any questions you may have.