Finance Available
Wilsons Carpets make it easy to spread the cost of your purchase with a choice of affordable finance solutions.
Updating your home is an investment, whether youāre replacing a worn carpet, fitting new flooring throughout your property, or choosing a new bed or mattress. To help make those purchases more manageable, we offer flexible finance options on a wide range of products available online and in our retail stores.
Enjoy your purchase right now!
Spread your payments
with PayPal.
A choice of interest free payment plans
A choice of flexible payment options using PayPal, in store or online. Choose from Pay in 3, Pay in 30 days or 0% over 4 months all managed through your PayPal Account.
Pay in 30 days
Shop today, pay after 30 days. Get extra time to settle in before you pay.
PayPal Pay in 3
Buy what you love today. Pay in 3 interest-free installments without stretching your budget.
PayPal Credit
Get 0% interest for 4 months on any purchase of Ā£99 or more.
Further information is available at checkout, or ask in-store.
Personal, tailored finance through Novuna*
A choice of personal finance options, including 0% Interest Free.
Please ask in-store for details. (In-store only)
Fund your purchase over a longer term with Novuna Personal Finance
Whether youāre furnishing a single room or undertaking a larger renovation, personal finance can provide additional flexibility when budgeting for your purchase.
If youād like to find out more, simply visit one of our stores and speak to a member of the team. Theyāll be happy to explain how finance works, discuss your options, and help you find the perfect flooring or bed to suit both your home and your budget.
Novuna payment plan options
Choose from 0% interest free, or 16.9% APR Reprentative, to suit you and your budget
0% APR Representative*
Amount borrowed starting from Ā£1000 over 6 months, or from Ā£3000 over 12 months.
Representative example:
Cash Price: Ā£1200.00, Deposit: Ā£200.00. Term: 6 months
Loan Amount: Ā£1000.00. Total Charge for Credit: Ā£0.00
5 monthly instalments of: Ā£166.66
1 final monthly instalment of: Ā£166.70
Total Amount Payable: Ā£1200.00
Amount borrowed starting from Ā£1000 over 6 months, or from Ā£3000 over 12 months.
Representative example:
Cash Price: Ā£1200.00, Deposit: Ā£200.00. Term: 6 months
Loan Amount: Ā£1000.00. Total Charge for Credit: Ā£0.00
5 monthly instalments of: Ā£166.66
1 final monthly instalment of: Ā£166.70
Total Amount Payable: Ā£1200.00
16.9% APR Representative*
Amount borrowed starting from
Ā£500 over 24 months.
Representative example:
Cash Price: Ā£600.00, Deposit: Ā£100.00. Term: 24 months.
Loan Amount: Ā£500.00
Total Charge for Credi: Ā£86.08
24 monthly instalments of: Ā£24.42
Total Amount Payable: Ā£686.08
Amount borrowed starting from
Ā£500 over 24 months.
Representative example:
Cash Price: Ā£600.00, Deposit: Ā£100.00. Term: 24 months.
Loan Amount: Ā£500.00
Total Charge for Credi: Ā£86.08
24 monthly instalments of: Ā£24.42
Total Amount Payable: Ā£686.08
Pay your way with Wilsons
Whether youāre furnishing a single room or undertaking a larger renovation, finance can provide additional flexibility when budgeting for your purchase.
Find your local store
PayPal Pay in 3, Pay in 30 and PayPal credit: ā Pay in 3 and Pay in 30 are credit agreements. Consider if the purchase is affordable and how you will repay. Missing payments may make other borrowing more difficult or expensive. Subject to status and approval. 18+ UK residents only. T&Cs apply. Pay in 3 available on eligible purchases from Ā£20 to Ā£3,000. Pay in 30 available from Ā£1 to Ā£900. #PayPal Credit: 0% interest for 4 months on purchases of Ā£99 or more. Representative 23.9% APR (variable). Purchase rate 23.9% p.a. (variable). Assumed credit limit Ā£1,200. Subject to status. UK residents only. T&Cs apply. PayPal is an independent payment provider. PayPal is a trading name of PayPal (Europe) S.Ć r.l. et Cie, S.C.A. 22-24 Boulevard Royal L-2449, Luxembourg.
Novuna Personal finance: *Novuna Finance subject to status and affordability to over 18s and in-store only. 16.9% APR Representative Finance is available on any product from Ā£500+ with 6 monthly payments. 0% APr Representative finance is available on any product from Ā£1,000 to Ā£2999.99 with 6 monthly payments and from Ā£3000+ with 12 monthly payments.. Terms & Conditions Apply. Wilsons Furnishers Limited, Unit 7, Houndhill Park, Bolton Road, Wath Upon Dearne, South Yorkshire S63 7LG, FRN: 845388 trading as Wilsons Carpets, and Wilsons Beds is a credit broker and is Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.
Frequently asked questions: Novuna Personal Finance
Qualifying for Credit
You must:
Minimum age of 18 years old
UK resident of more than 12 months
Have 3 years of UK address history
Own personal bank account from which a Direct Debit can be taken
Permanent employment, working minimum 16hrs per week
Self employed
Retired person
On disability allowance
Registered carer
Unemployed & āhouse personā (with consent of co-habiting working partner)
Frequently Asked Questions
When do my repayments start?
Payments will begin one month after the goods have been delivered.
Can I change my payment date?
Customers can change their payment date once they have received their welcome documents.
Can I make additional payments?
Yes, customers can make additional payments at any time free of charge.
Can I change my Direct Debit details?
Yes, please call the Novuna Customer Service team on 0344 375 5500 to discuss this in further detail.
How do I view my balance?
The quickest and easiest way for customers to view their balance is by managing their account online. Customers can create an account or access a pre-existing account at
https://my.novunapersonalfinance.co.uk/oss2/customer/
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, Novuna are unable to offer finance to residents of Eire.
Homemakers arenāt excluded from applying under their own names; however, the employment details of your spouse / partner will be required in order
to process your application.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Applying for finance
Applying for finance couldnāt be easier or more convenient. When you buy from us you have the choice of using finance and our staff will talk you through what is needed to process an application. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then electronically sign the agreement or print.
Following receipt of your finance agreement and a few additional checks, your purchase can proceed.
How quickly will my finance application be approved?
All finance decisions will be made within seconds. Once you are approved, we will contact you (during working hours) to finalise your purchase. If you your application is referred Novunaās Underwriting Team will review your application and may request some further information from you before making their decision.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to e-sign your agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all
the relevant sections agreeing to its terms. A copy of your credit agreement will be emailed to you once the e-signature has been completed.
Once you have agreed to the terms of the finance agreement the retailer will be notified and you need do nothing more.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal
Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
Will Novuna Personal Finance credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to
your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and
occupation, together with information obtained from credit reference agencies. This information allows consistent decisions to be provided, ensuring all
applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments
and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is
usually based on one, or a combination of the following:
ā¢ Your credit score (please note that every finance company will score you differently)
ā¢ Adverse credit reference agency information
ā¢ You are considered to be overcommitted
ā¢ You are aged under 18
ā¢ Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file
information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any
requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
ā¢ Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
ā¢ Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
ā¢ TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
ā¢ InfactSystems Limited, 2-7 Clerkenwell Green, London, EC1R 0DE
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the
agency to correct it.
If my application is not successful, can I re-apply?
Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will
automatically be turned down. We do suggest however, that you leave at least 6 months between applications.
What is APR and Rate of Interest?
The ārate of interestā is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other
charges. The āAPRā is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges
that you pay to get the loan. The FCA description of any APR is āAPR stands for the Annual Percentage Rate of charge. You can use it to compare
different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any
arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender