Flooring365 Finance

Spread the cost of your flooring with our range of finance options

We offer two different finance options - Buy Now Pay Later and Interest bearing. These finance options mean that you can get the floor you really want without the worry of paying for it all at once.

Finance Explanation and Representative Example
Buy Now Pay Later Finance Example
Pay nothing with payments deferred for up to 12 months

Spread the cost with our buy now pay later finance available online.

Our simple buy now pay later (BNPL) finance options allow you to spread the cost of your purchase over 48 months, with the first payment deferred for 12 months.

Your Deferral period will start after the delivery of your goods. Interest is charged from day 1 of your agreement, but not charged on any repayments made during the deferral period. Unless the balance is cleared within the deferral period, monthly repayments will start and interest during the deferred period will be applied. If the loan amount is paid in full, interest will be avoided but a £29 early settlement fee will apply.

Minimum 20% deposit required.

All you need to do is:

  • Spend a minimum £1300 and above (including VAT)
  • Place a minimum 20% deposit
  • Minimum finance amount after deposit £1000 and above

Representative example:

Cash price £1,474.80

Deposit £294.96

Loan amount £1,179.84

19.9% APR representative

36 monthly repayments of £50.58

Total term of loan agreement: 48 months (4 years), with the first payment deferred for 12 months

Total charge for credit: £641.04

Total amount payable - £2115.84


Just select the finance option on the checkout page.
Please contact your local store to discuss the finance options they have available.
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

For interest bearing credit finance agreements your monthly repayments will begin one month after your purchase has been delivered.

For buy now pay later agreements monthly repayments will start after your deferral period (12 months).

No. There are no arrangement fees or hidden extras.

When you buy online from Flooring365 Ltd you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Sevenoaks Sound and Vision Ltd will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
  • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. For interest bearing credit finance agreements your monthly repayments will begin one month after your purchase has been delivered. For buy now pay later agreements monthly repayments will start after your deferral period (12 months).