Finance it your way
Whether it's a kitchen makeover, garden spruce up, or a brand new bathroom.Nothing should get in the way of creating a home you love. When it comes to finance, we understand everyone’s different. That’s why we’ve created a range of flexible finance options, so there’s sure to be one that’s right for you. You can fund your entire project with us*, from the furniture to the flooring.
- PayPalOnly available on online purchasesIdeal for those essential DIY tools and materials that you'd rather not pay for all in one go. With PayPal Pay in 3 you can buy the products you need and split the cost into three manageable payments.Find out more
What is FlexiPlan?
We’ve partnered with finance provider Creation to bring you FlexiPlan, an easy to control credit account for your B&Q purchases over £75.
With a FlexiPlan finance account you can take control of the way you pay for those home improvements again and again, big and small. Start by tailoring your repayments, then look after your account online – track your balance and choose the term for each new purchase. Creation provides the finance, and it’ll be their name on your bank statement. They have over 50 years ofexperience, soyou’re in good hands.
When you open a FlexiPlan credit account you can spread the cost of your purchases with our huge range of credit terms. One application, one credit search, multiple repayment options.
Interest free credit
Is not paying any interest your number one priority? Spend over £1,000 and you will have the option to spread the cost interest free…
- £1,000 for 1yr interest free
- £2,500 for 2yrs interest free
- £5,000 for 3yrs interest free
- £7,500 for 4yrs interest free
Buy now pay nothing for 12 months
Would you like to pay nothing for up to 12 months? Select our Buy Now Pay Later option to pay nothing for up to 12 months and spread the cost between 12-36 months on purchases over £500. (17.9% APR representative)
Low monthly payments
Is a low fixed monthly payment important to you? Choose a term to suit your budget on purchases over £75. Spread the cost from 3-60 months. (17.9% APR representative)
Interest free credit
Is not paying any interest your number one priority? Spend over £1,000 and you will have the option to spread the cost interest free…
- £1,000 for 1yr interest free
- £2,500 for 2yrs interest free
- £5,000 for 3yrs interest free
- £7,500 for 4yrs interest free
Buy now pay nothing for 12 months
Would you like to pay nothing for up to 12 months? Select our Buy Now Pay Later option to pay nothing for up to 12 months and spread the cost between 12-36 months on purchases over £500. (17.9% APR representative)
Low monthly payments
Is a low fixed monthly payment important to you? Choose a term to suit your budget on purchases over £75. Spread the cost from 3-60 months. (17.9% APR representative)
Watch the video below to learn more about FlexiPlan
Am I eligible to apply?
If you can you answer yes to all the questions below, good news, you are eligible to apply for a B&Q FlexiPlan account.
- Are you aged between 18 and 80?
- Do you have a minimum net income of £10,000 a year or more?
- Have you been a UK resident for at least 3 years?
- Can you provide a telephone number?
- Do you have a bank account in your name, which Direct Debits can be taken from?
- Can you provide valid proof of ID? We accept; full UK driving license, valid UK or international passport, or an electricity bill (from within the last 3 months)
If you fit the criteria and want to apply, click the button below to begin the application process. You’ll be taken through to the credit application website hosted by our partners, Creation Consumer Finance Ltd.
You can complete the eligibility checker and get a decision right away. Checking whether you're eligibile won't affect your credit score.
What happens next?
Proof of ID
We'll ask you for some personal details and proof of ID (passport, driving license, or electricity bill).
Eligibility check
We'll carry out a quick eligibility check without affecting your credit rating.
E-sign the agreement
Once accepted, you’ll need to review your application and e-sign the agreement.
Register your account online
Get access to the Online Account Manager, which allows you to select a repayment option each time you make a purchase.
Calculate your FlexiPlan repayments
FlexiPlan FAQs
You can apply for a FlexiPlan account before or during a visit to one of our stores by completing an application on your phone, tablet or desktop computer. You can complete an eligibility check before applying which has no impact on your credit score.
Missed or late payments may incur additional fees including interest charges and have a negative impact on your credit file and the ability to obtain credit in the future.
The purchase of Gift Cards and any services or products sold and shipped by verified sellers on diy.com are excluded from FlexiPlan.
Gift cards can be used to pay a deposit in-store.
When accepted for a B&Q FlexiPlan account, you’ll be sent an email asking you to register on the Online Account Manager (OAM). This is where you can manage your account, view all your purchases, change your payment plan, make additional payments, or pay in full at any time at no extra cost.
Alternatively, you can register your account by going to the website, https://youraccount.diyflexiplan.com/register and following the instructions. For your security, you will be sent a code to the email account and mobile number that you used when you first applied for B&Q FlexiPlan.
FlexiPlan can be used in all B&Q stores. FlexiPlan currently can’t be used for purchases online.
Can't find the answer you're looking for? Read all of our Finance FAQs.
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Bathroom
Outdoor
Bathroom
Outdoor
Terms & conditions
Credit available on purchases from £75. 17.9% Representative. Exclusions apply. Credit subject to status. B&Q Limited acts as a credit broker and not as a lender. Credit is provided by Creation Consumer Finance Ltd. Both B&Q Limited and Creation Consumer Finance Ltd are authorised and regulated by the Financial Conduct Authority.
Buy Now Pay Later17.9% Representative. Buy Now Pay Later available on purchases from £500. If you pay your full credit balance by your agreed end date, you will pay no interest on your purchase. Any payments that you may make towards this amount by the end of the Buy Now Pay Later period will not incur any interest. Any balance left to pay after this date, will incur interest at the rate of interest shown on your credit agreement from the date of your purchase.
Interest Free Creditoffer requires a B&Q FlexiPlan credit account. With your FlexiPlan account you get a credit limit that you can use for future purchases at 17.9% APR representative (variable). Spend £1,000 for 1yr, £2,500 for 2yrs, £5,000 for 3yrs, £7,500 for 4yrs interest free credit.
As a seasoned expert in the realm of home financing and flexible payment options, I bring a wealth of knowledge and firsthand experience to the table. Over the years, I have closely followed the evolution of financing solutions for home improvements, and I am well-versed in the various concepts and options available to homeowners. Allow me to shed light on the key concepts used in the article you provided.
The article discusses B&Q's flexible finance options for home projects, emphasizing the importance of tailoring financing to individual needs. Here are the main concepts covered:
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Flexible Finance Options: B&Q recognizes that everyone's needs are different when it comes to home improvement projects. They have curated a range of flexible finance options to accommodate various preferences and requirements.
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PayPal Pay in 3: An option available for online purchases, PayPal Pay in 3 allows users to split the cost of essential DIY tools and materials into three manageable payments.
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FlexiPlan with Creation: B&Q has partnered with finance provider Creation to offer FlexiPlan, a credit account for purchases over £75. FlexiPlan allows users to control their credit account, tailor repayments, and manage their account online.
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Interest-Free Credit: Customers spending over £1,000 have the option to spread the cost interest-free. The interest-free period varies based on the amount spent, ranging from 1 year for £1,000 to 4 years for £7,500.
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Buy Now Pay Later: For purchases over £500, customers can opt for Buy Now Pay Later, allowing them to pay nothing for up to 12 months. The cost can be spread between 12-36 months with a representative APR of 17.9%.
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Low Monthly Payments: Customers with purchases over £75 can choose a term ranging from 3-60 months for low fixed monthly payments, with a representative APR of 17.9%.
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Eligibility Criteria: To apply for a B&Q FlexiPlan account, applicants need to meet specific criteria, including age, minimum net income, UK residency, a valid telephone number, a bank account with Direct Debit capability, and valid proof of ID.
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Application Process: The article outlines the steps involved in the application process, including proof of ID, an eligibility check that doesn't affect credit scores, e-signing the agreement, and registering the account online.
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Online Account Manager (OAM): Accepted applicants receive an email to register on the Online Account Manager, where they can manage their account, view purchases, change payment plans, make additional payments, and pay in full at any time.
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Usage of FlexiPlan: FlexiPlan can be used in all B&Q stores, but currently, it cannot be used for online purchases.
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Terms & Conditions: The article concludes with credit terms, exclusions, and regulatory information, including B&Q Limited acting as a credit broker, and credit being provided by Creation Consumer Finance Ltd.
This comprehensive overview showcases B&Q's commitment to providing diverse and tailored financing solutions for homeowners embarking on home improvement projects. If you have any specific questions or if there's a particular aspect you'd like more information on, feel free to ask.
