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Interest Free Credit

Interest Free Credit

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

Interest Free Credit

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 up to 4 years interest free credit, 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 12, 24, 36 or 48 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 Team Tapi will clearly explain all your options when you visit a Tapi store to place your order. Please note that 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.

Representative Example

Credit is subject to application, status and affordability. Hitachi Personal Finance is the only lender. Tapi Carpets & Floors Ltd. acts as a credit broker and not the lender. For details of our other credit options, please ask.

Who is eligible for interest free credit?

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

  • Minimum age of 18 years
  • UK Resident of more than 12 months
  • Have a personal bank account from which a Direct Debit can be taken

You must also be either:

  • Permanently employed, working a minimum of 16 hours per week
  • Self-employed
  • Retired
  • On disability allowance
  • A registered carer
  • Unemployed and a ‘house person’ (with consent of co-habiting working partner)

Terms and conditions apply. Offer excludes the cost of fitting the floor. £500 minimum credit value. No deposit required.

Subject to status and affordability. Terms and conditions apply. Tapi Carpets & Floors Ltd Firm Ref No. 706358. Registered Office: 1a Spur Road, Orpington, Kent, BR6 0PH. Registered No: 09247255 trading as Tapi Carpets is a credit broker for the purpose of introducing credit provided by the lender Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC. Authorised and Regulated by the Financial Conduct Authority.