Finance options - interest free credit, low monthly payments 3.9% APR, buy now pay later 9.9% APR

* Finance options available, provided by Novuna Cunsumer Finance. Subject to application, financial circumstances and borrowing history. Minimum spend and eligibility criteria applies.


Interest Free Bathrooms

We understand that a new bathroom can make a huge difference to your home, so we do everything we can to make sure you can create the bathroom of your dreams. Interest free bathrooms are designed to fit around your lifestyle and budget so that you can enjoy your new purchase with peace of mind.

Interest Free Credit

Manage the cost of your purchase with interest free credit finance options

  • 0% APR
  • No early settlement fee
  • No deposit
  • Regular monthly payments
  • 1 year loan length with minimum spend of £1,000
  • 2 year loan length with minimum spend of £3,000
  • 3 year loan length with minimum spend of £6,000

Representative Example:

  • Total product amount: £6,000
  • Total amount of credit: £6,000
  • 36 monthly payments of: £167.67
  • Total amount payable is: £6,000
  • Representative: 0% APR
  • Rate of interest: 0% fixed

Interest Bearing Credit

Interest Bearing Credit

Lower monthly payments and the option to spread the cost of your purchase over 7 years.

  • 4.9% APR
  • No early settlement fee
  • No deposit
  • Regular monthly payments
  • 12 months loan length with minimum spend of £500
  • 2 years loan length with minimum spend of £1,000
  • 3 years loan length with minimum spend of £1,000
  • 4 years loan length with minimum spend of £1,000
  • 5 year loan length with minimum spend of £1,000
  • 6 year loan length with minimum spend of £1,000
  • 7 year loan length with minimum spend of £1,000

Representative Example:

  • Total product amount: £6,000
  • Total amount of credit: £6,000
  • 36 monthly payments of: £179.27
  • Total amount repayable is: £6,453.69
  • Interest charged: £453.69
  • Representative: 4.9% APR
  • Rate of interest: 4.9% fixed

Buy Now Pay Later

Buy Now Pay Later

Pay nothing for the first 12 months and then have the option to spread the cost of your purchase over 3 years.

  • No interest charged if the full balance is paid before the date of the first payment.
  • Regular monthly payments after selected deferral period
  • Minimum spend £500
  • No deposit
  • 9.9% APR representative
  • £29 settlement fee applies for a full repayment during deferral period

Representative Example (12 months holiday period):

  • Total product amount: £6,000
  • Total amount of credit: £6,000
  • 36 monthly payments of: £192.13
  • Total amount payable is: £6,916.82
  • Interest charged: £916.82
  • Representative: 9.9% APR
  • Rate of interest: 9.9% fixed


The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

Buy Now Pay Later Explanations:

Option 1

Partial or full payment can be made during payment free period - no interest will be charged on any amounts repaid but a £29 administration fee will be charged.

Partial or full payment can be made during repayment period.

Option 2

Full repayment - interest is charged from when the agreement is started, up to settlement date, plus an additional 30 days interest.

Option 3

Partial repayment - remaining interest that would have been payable on the amount repaid is reimbursed.

Eligability Criteria

Credit is subject to application, financial circumstances and borrowing history. Please note, there are some minimum criteria if you later decide to apply for finance.

To apply you must:

  • Be at least 18 years old
  • Be in permanent paid employment (over 16 hours a week), retired and receiving a pension, be a houseperson with a partner in permanent paid employment, be self employed, a student Nurse or Doctor
  • Have been a UK resident for three years or more
  • Have a mobile or landline number
  • Have an email address
  • Have a UK bank account from which Direct Debits can be taken
  • Have no outstanding County Court Judgements (CCJs)

HHGL trading as Homebase and Bathstore is the credit broker and not the lender. Novuna Consumer Finance is the lender.

Credit Broker Disclosure:

HHGL Limited trading as Homebase and Bathstore is authorised and regulated by the Financial Conduct Authority (FRN 917811). HHGL Limited is a credit broker not a lender and only offers credit products from Mitsubishi HC Capital UK PLC, trading as Novuna Consumer Finance, authorised and regulated by the Financial Conduct Authority (FRN 704348), registered in England. Registered No. 1630491. Registered office: 2 Apex View, Leeds, LS11 9BH. HHGL Limited trading as Homebase and Bathstore do not receive commission from Novuna Consumer Finance (i.e. the lender) in acting as a credit broker. All credit is subject to status and affordability. Terms and conditions and eligibility criteria apply. HHGL Limited Registered Office: Witan Gate House, 500-600 Witan Gate, Milton Keynes, MK9 1BA. Registration No. 0533033.