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Lets Find a Finance Plan Just For You...

We can help you turn your dream kitchen or bathroom into a reality with a finance package to suit your budget. So that you’re confident you choose the right finance plan, we’re laying out the options we offer, providing you with some useful information before you start a conversation with one of our design consultants.

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Buy Now, Pay Later

If you take this plan you have the option to pay in full within 12 months and pay no interest.

Alternatively pay over the following 48 months with interest of 6.9% APR representative.

Buy Now Pay Later
    Key Benefits:
  • Initial holiday period
  • First payment will be stated on the agreement form
  • If agreements are settled within the holiday period, you will pay no interest
  • Otherwise, equal repayments (including interest calculated at inception of agreement) will be made monthly
  • Interest applied at agreed rate of 6.9% APR representative

Interest Bearing Credit at 6.9% APR representative over 48 months:
Cash price
£6,581.06
10% Deposit
£658.11
48 Monthly installments
£149.90
Fixed interest rate p.a
4.30%
Cost of credit
£1,272.31
Total cost
£7,853.31

In keeping with the regulations, all finance agreements offered by Wickes can be settled at any point by contacting our credit supplier Hitachi Capital (UK) Plc and requesting a settlement quote.

Fixed Monthly Payments over 1 to 4 years @ 4.9% APR

Looking to buy your new kitchen or bathroom with a finance package? This option suits people looking to repay the credit within 4 years.

The ‘pay monthly’ option has an annual interest rate of 4.9% APR, a credit cost that is added to the price of your kitchen or bathroom.

There is choice of months to spread the cost over; 12, 24, 36 or 48.

    Key Benefits:
  • Interest applied at an agreed rate of 4.9% APR representative
  • Equal monthly repayments
  • First payment will be due approximately one month after delivery of goods or on completion of Wickes installation

Interest Bearing Credit at 4.9% APR representative example
12 Months
24 Months
36 Months
48 Months
Cash price
£7,000
£7,000
£7,000
£7,000
Deposit
£1,000
£1,000
£1,000
£1,000
Credit
£6,000
£6,000
£6,000
£6,000
Monthly installments
£513.07
£262.66
£179.26
£137.60
Fixed interest rate p.a
2.61%
2.52%
2.53%
2.52%
Cost of credit
£156.72
£303.84
£453.36
£604.80
Total cost
£7,156.72
£7,909.84
£7,453.36
£7,604.80
36 Months
48 Months
Total cost
£7,000
£7,000
Deposit
£1,000
£1,000
Credit
£6,000
£6,000
Monthly installments
£179.26
£137.60
Fixed interest rate p.a
2.53%
2.52%
Cost of credit
£453.36
£604.80
Total cost
£7,453.36
£7,604.80

In keeping with the regulations, all finance agreements offered by Wickes can be settled at any point by contacting our credit supplier Hitachi Capital (UK) Plc and requesting a settlement quote.

Fixed Monthly Payments over 5 to 8 years @ 6.9% APR

Want a new Kitchen or Bathroom and also want to keep monthly repayments even lower than our 4 year option. Then selecting an option where repayments are made over 5 to 8 years with an annual interest rate of 6.9% APR could meet your needs.

The annual interest rate of 6.9% APR is added to the cost of the kitchen or bathroom, and repayments can be spread over 60, 72, 84 or 96 months.

    Key Benefits:
  • Interest applied at an agreed rate of 6.9% APR representative
  • Equal monthly repayments
  • First payment will be due approximately one month after delivery of goods or on completion of Wickes installation

Interest Bearing Credit at 6.9% APR representative example
60 Months
72 Months
84 Months
96 Months
Cash price
£7,000
£7,000
£7,000
£7,000
Deposit
£1,000
£1,000
£1,000
£1,000
Credit
£6,000
£6,000
£6,000
£6,000
Monthly installments
£117.95
£101.42
£89.67
£80.90
Fixed interest rate p.a
3.60%
3.60%
3.60%
3.70%
Cost of credit
£1,075.80
£1,300.08
£1529.76
£1,763.52
Total cost
£8,075.80
£8,300.08
£8,529.16
£8,763.52
84 Months
96 Months
Cash price
£7,000
£7,000
Deposit
£1,000
£1,000
Credit
£6,000
£6,000
Monthly installments
£89.67
£80.90
Fixed interest rate p.a
£3.60%
£3.70%
Cost of credit
£1529.76
£1,763.52
Total cost
£8,529.16
£8,763.52

In keeping with the regulations, all finance agreements offered by Wickes can be settled at any point by contacting our credit supplier Hitachi Capital (UK) Plc and requesting a settlement quote.

To make an application for finance, or to enquire into our finance options, book a FREE design appointment at your nearest showroom to speak with one of our design consultants.

Eligibility for finance

Before you enter the process of applying for credit:
  • You must be over 18 years of age and employed
  • Have been a UK resident for more than 12 months
  • Hold a personal bank account which a direct debit can be taken out from

Buy Now Pay Later: Terms, conditions and exclusions apply. Credit subject to status. Over 18s only. Offer only available on Showroom kitchen products, Showroom bathroom products and “dry fit” installation services. Minimum deposit 10%. If the balance is paid in full within 12 months of the agreement date, you will pay no interest. The agreement date is the date the finance application is accepted. If the balance is not cleared in full on or before 12 months from the agreement date, the amount owed will include deferred interest from the agreement date. The 48 equal monthly payments will commence 12 months after the agreement date. Representative example: values shown are based on the average paid advances between 1st December 2017 and 27th May 2018. Wickes Building Supplies Limited is registered in England and Wales with registration number 1840419 and is authorised and regulated by the Financial Conduct Authority to carry on credit-broking. Registered office; Lodge Way House, Harlestone Road, Northampton, NN5 7UG. Credit is exclusively provided by Hitachi Capital (UK) PLC, with whom Wickes have a commercial relationship. Hitachi Capital (UK) PLC is registered in England and Wales with registration number 1630491 and is authorised and regulated by the Financial Conduct Authority. Registered office; Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP.

In terms of employment, you must qualify as one of the following: employed working 16 hours minimum, on a permanent contact, Self- Employed, Retired person (this includes early retirement), a registered carer, a person on disability allowances, of which they can provide proof. Student Nurse or Doctor. If unemployed then they can apply for finance providing they have a cohabiting working partner who can provide employment details. Evidence of income may be requested by Hitachi Capital including Disability/Pension Entitlement or Wage/Salary

Book a FREE Design appointment

Ready to take the next step?

Book a FREE home visit with a design consultant. They’ll measure your room, discuss your ideas and bring them to life with a 3D plan with no obligation to buy.

Find your nearest Wickes Showroom

Find my nearest showroom

Visit your local Wickes kitchen showroom to browse our kitchen displays and chat with our experts. They can give you a full demonstration of our ranges and answer any questions you may have.


Wickes is authorised and regulated with the Financial Conduct Authority to carry on credit-broking. Credit is exclusively provided by our partner Hitachi Capital, who is also authorised and regulated by the Financial Conduct Authority. Wickes Building Supplies Limited is registered in England and Wales with registration number 1840419. Its registered office is Lodge Way House, Harlestone Road, Northampton, NN5 7UG.Hitachi Capital (UK) PLC is registered in England and Wales with registration number 1630491. Its registered office is Hitachi Capital House, Thorpe Road, Staines -upon-Thames, Surrey, TW18 3HP