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 3 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 6, 12, 24 or 36 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
12 Months £1000 £0 £83.33 £1000
24 Months £2000 £0 £83.33 £2000
36 Months £3000 £0 £83.33 £3000
Representative Example
Cash Price £2000
Deposit £0
Number of payments 24
Monthly payment £83.33
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 three 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

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 Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.