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Finance Options Available
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How to apply online

Up to 11 months interest free finance is available on orders over £250, some products may be excluded. There is no deposit required however you have the option to pay more towards the repayments when you would like.

Once you have added the items to your basket, select the option to check out through finance. The application form is simple and should take no more than a few minutes to complete. You will receive an instant decision as to whether you have been accepted. Once accepted you will be able to sign the agreement electronically to complete the order.


Check your eligibility

You will only be considered for finance if you:

• Are at least 18 years old
• You're in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
• Provide an email address so your documentation can be emailed to you.


  • Your first direct debit payment will be taken approximately 30 days after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
  • You won't pay a penny more with our interest free credit option. You can make overpayments or pay off your agreement early without any charges.

Representative Example

11 Monthly Payments of £27.27
Deposit to pay today £0.00
Total Credit £299.99
APR 0%
Total Amount Payable £299.99


  • There is a 14-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us directly. We can cancel the application on your behalf. There is no need to contact Novuna your lender.
  • A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
  • For any further questions feel free to contact us on 02476705 600 or

Credit subject to status and affordability. Terms and conditions apply.

*0% APR Representative example: Cash price £1500. Deposit (20%) £160.24 monthly payments of £40. Total payable £1500. Minimum spend of £250. Subject to status. Written quotation upon request. Euro Carpet Warehouse LTD (Company number 06559953, Coventry CV6 5DG) are a credit broker, not a lender. Authorised and regulated by the Financial Conduct Authority. The credit advertised is provided by an external credit provider; Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC and is regulated by the Financial Conduct Authority.