Our Services

Interest Free Credit

There’s no deposit to pay and 0% APR with our interest free credit option.

We know that buying new flooring for your home can be an investment, so we’re here to make everything go as smoothly as possible for you. Now, there’s no need to wait until you’ve saved up those pennies in your piggy bank before you buy a new carpet or flooring – get the floor you adore today with 0% APR and no deposit! At Tapi Carpets & Floors, we’re delighted to be able to offer you a range of interest free payment options on all purchases of £500 or more (excluding fitting costs). It's so quick to sort out and you'll have a decision in less time than it takes to make a cup of tea!

How does interest free credit work?

Once we’ve got the green light, we’ll set up a direct debit with your bank and you can decide how long you’d like to pay the balance off. You can choose to spread your payments across either 6, 10, 20 or 30 monthly interest free instalments (provided you’ve reached the minimum spend required). We know that all this talk of numbers can be a bit confusing but don’t worry - a member of the Tapi Team will clearly explain all your options when you visit a Tapi store to place your order. These monthly payments don’t include the cost of fitting your flooring as it’s carried out by third parties, so that’s the only thing you’ll need to pay for at the time of having your flooring fitted. Take a look at the table below to see an example of what your monthly payments might be.

How much will it cost me?

	Minimum Credit	Deposit	Monthly Payment	Amount of Credit
6 Months	£500	£0	£83.33	£500
10 Months	£1000	£0	£100	£1000
20 Months	£2000	£0	£100	£2000
30 Months	£3000	£0	£100	£3000

Representative Example
Cash Price	£2000
Deposit	£0
Number of payments	20
Monthly payment	£100
0% APR representative	Interest rate 0% fixed

Who is eligible for interest free credit?

To take advantage of our interest free credit payment option, you must tick the following four boxes:

Minimum age of 18 years
UK Resident of more than 3 years
Have a personal bank account from which a Direct Debit can be taken
Be purchasing as a consumer and using the finance for personal purchases (for example, we are unable to provide finance to landlords for their rental properties)

You must also be either:

Permanently employed, working a minimum of 16 hours per week
Self-employed
Retired
On disability allowance
A registered carer
Houseperson with a working spouse or partner

To find out more, talk to a member of the Tapi Team at your nearest store.

Terms and Conditions: Credit excludes fitting and service charges. £500 minimum credit value. No deposit required. Terms and conditions apply. Subject to status and affordability. Tapi Carpets & Floors Ltd, registered in England & Wales (company number 09247255). Registered office: 1a Spur Road, Orpington, Kent, BR6 0PH.

Tapi Carpets & Floors Ltd is authorised and registered by the Financial Conduct Authority (registration number 706358). We act as a credit broker for the purpose of introducing credit provided by the lender Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC.