Here at Carpetways, we are now offering 0% finance in-store. Spread the cost of your purchase over 12 months. Our
You can choose to spread your payments across 12-months interest-free instalments. This does not include the cost of fitting as this work is completed by third parties.
This offer is only available in the following stores: Carlisle, Manchester, Preston, Workington, Hamilton, Motherwell, Falkirk & Dumfries.
0% Finance Terms and Condtions
Interest-Free Credit Terms & Conditions
At Carpetways we can offer you the option of paying by Interest-Free Credit and spreading the cost
PAYING WITH INTEREST-FREE CREDIT IN STORE
Visit us at any one of our Carpetways stores where you can request to pay by Interest-Free Credit and get an instant decision.
Fitting is not available on interest-free as we act as a broker only on behalf of flooring installers
To ensure we can process your credit application smoothly, please read the 3 points below about the qualifying criteria and the information you will need to bring along with you.
1) APPLICATION CRITERIA
To qualify for Interest-Free Credit, you must
Be 18 or older.
Be in either permanent paid employment (over 16 hours a week), retired and receiving a pension, a house person with a partner in permanent paid employment or be self-employed.
Be a UK resident (minimum of 12 months).
Be able to provide acceptable proof of address and proof of signature.
Be able to make payments by direct debit.
Be purchasing the product for personal use and not business use.
2) PROOF OF ADDRESS
Please bring at least 1 item from the list below
Bank statement or utility bill dated in the last 6 months.
3) PROOF OF SIGNATURE
Proof of signature is required for all credit applications. Please provide one of the following as proof of signature:
Bank credit/debit card or cheque card.
Special Orders No cancellation of special orders accepted.
Delivery All goods to be delivered within 4 weeks from date of order to the address.
Order Criteria Minimum order of £500 excluding fitting. Minimum of 10% deposit payable at the time of ordering via debit card. Excluding remnants & discounted lines. Not to be used in conjunction with any in-store offers. DECLINED CREDIT APPLICATIONS
We guarantee that your application will have been given full consideration through the credit scoring system. This system considers the information you provided on your completed application form. Points are allocated to each piece of information supplied and then added up to produce a total score. A Credit Reference Agency will also have been contacted and a score applied to the information they hold about you.
Your application may have been declined either due to the score attributed to your application details, or the score from the Credit Reference Agency not meeting the minimum requirements.
As your application may have been declined due to information from a Credit Reference Agency, per section 26 of the Consumer Credit Act 1974, Ikono Bank is required to notify you that the Agency consulted on your applications was: –
Experian Help Service P.O. Box 8000 Nottingham NG1 5GX
The Agency will be happy to provide you with a copy of your credit file if you write to them direct enclosing a £2.50 administration fee. If your application was declined due to the score attributed to your personal application details, the information you receive from the Agency may not show anything detrimental.
We understand that you may be unhappy with the decision and wish to discuss the matter further. Unfortunately, due to the Data Protection Act, they are unable to discuss this with you over the telephone. However, you can write to them at the address provided on the decision page of your decline letter and they will be happy to provide you with more information regarding the decision.
Please rest assured that the decision to decline your application is known only to yourself and Carpetways Broker and has not been disclosed to anyone outside the organization.
IKONO Bank is authorised and regulated by the Financial Conduct Authority) follow the principles of the FLA’s “Guide to Credit Scoring” agreed with the Office of Fair Trading.