About Our Finance
Spread the cost of your kitchen, bathroom or bespoke carpentry with clear monthly payments.
Choose interest free on shorter terms or classic credit on longer terms. Quick checks, clear paperwork, and installation booked as soon as you are ready. No pressure sales and no hidden extras.
Why choose finance
Make quality affordable without compromise
Transparent costs
Itemised quotes and fixed monthly payments. You always know what you will pay and when.
Flexible terms
Shorter interest free options on selected projects or longer classic credit for larger installations.
Quick decisions
Apply online with a fast decision in most cases. Installation is scheduled once everything is approved.
Finance plans
Pick the route that suits your project
Interest Free
0% over 6 to 12 months on eligible ranges and baskets. Deposit may apply.
- ✔No interest to pay
- ✔Even monthly payments
- ✔Great for smaller works
Classic Credit
Fixed rate over 24 to 60 months for larger kitchens, bathrooms or bespoke carpentry.
- ✔Spread the cost over time
- ✔Keep cash flow flexible
- ✔Clear end date
Buy Now, Pay Later
Start after a short deferral period. Ideal when timings are tight. Interest terms vary by lender.
- ✔Delay first payment
- ✔Useful for phased works
- ✔Flexible options
- 0% example: £3,000 over 12 months - £250 per month. Total repayable £3,000.
- Classic credit example: £5,000 over 36 months at 9.9% APR representative, fixed - about £161 per month. Total repayable about £5,801.
- Classic credit example: £8,000 over 60 months at 12.9% APR representative, fixed - about £181 per month. Total repayable about £10,860.
Examples are for illustration only. Actual rates, term and deposit depend on your status, lender and product selection.
How it works
Simple steps from quote to installation
1) Free survey and quote
We measure your space, confirm services and provide an itemised quotation for supply and fit or fit only. You pick finishes and timelines.
2) Eligibility check
A quick online check with our finance partner. No obligation. If approved, you review the agreement before signing digitally.
3) Book your dates
As soon as finance is confirmed we lock in your schedule. Materials are ordered and your home is protected on day one.
4) Install and handover
Certified trades complete the work, we test everything, clean down and provide care notes and guarantees.
Eligibility checklist
Who can apply
- UK resident aged 18 or over
- 3 years of address history
- Regular income
- UK bank account and debit card
- Valid photo ID if required
- Email address and mobile number
- Credit checks apply with the lender
- Subject to status and affordability
If you are not sure which option fits, ask for an eligibility check. It is quick and helps you compare plans.
FAQs
Good to know
Can I use finance for fit only?
Yes. Finance can cover fit only, supply and fit, or a mix, subject to lender rules. We confirm the basket breakdown before application.
Will it affect my credit score?
Lenders may run a soft search for eligibility and a hard search when you proceed. Your agreement will explain this clearly before you sign.
Can I overpay or settle early?
In many cases yes. Early settlement terms are set by the lender and shown in your agreement.
When will installation start?
Once finance is approved and documents are signed. We will agree dates and keep you updated at each stage.
Finance is subject to status, terms and conditions, and affordability checks. Credit is provided by [Lender legal name] who are authorised and regulated by the Financial Conduct Authority (FRN [lender FRN]). Winsome Kitchens & Carpentry is a credit broker, not a lender. We may introduce you to a panel of lenders and may receive a commission. Representative APRs and eligibility rules vary by lender and product. Please replace the placeholders in this notice with your confirmed details before publishing.
Ready to check your options?
Book a free survey or request an eligibility check. No obligation and clear next steps.