Flooring finance options

Lay now. Pay later.

Ways to pay for your new floor

We understand that buying your new flooring can be a long thought out process with strict budgets in place, so we offer some flooring finance options to give you extra flexibility when making your purchase. Please always consider whether a finance option is the best option for you before going ahead with your purchase.

Klarna pay in 3 - 0% finance

We have teamed up with Klarna to offer additional payment options. We offer pay in 30 days and pay in 3, These options have 0% interest with Klarna. You can buy now and pay up to 30 days later, or, pay in 3 separate instalments that are taken monthly. Borrowing more than you can afford or making late payments may negatively impact your financial status and ability to obtain credit so please spend responsibly. Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. You must be 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply. Tap the link for more info.
Does Klarna affect my credit rating?

Yes, as of 1 June 2022, Klarna has began sharing information on users' payments with two of the UK's leading credit reference agencies, Experian and TransUnion. This development occurs as the Buy Now, Pay Later sector is increasingly coming under the spotlight due to concerns from consumer advocacy groups.
Does Klarna do a credit check?
Klarna performs a credit check as part of their financing services, which may affect your credit score depending on the payment option you select at checkout.
Klarna ensures they offer you the best financial solution by verifying your identity using the details you provide and reviewing information from your credit report. Depending on your chosen payment option, Klarna may conduct different types of credit checks to assess your financial standing:

Soft Credit Check: When you select Klarna's Buy Now Pay Later options, they perform a soft credit check that does not affect your credit score. However, Klarna reports your payment data to credit reference agencies, making it visible to other lenders.

Hard Credit Check: Applying for Klarna's Financing option will trigger a hard credit check, which may impact your credit score.

Klarna's credit checks are conducted by the credit reference agencies TransUnion and Experian. For any inquiries regarding their services, your credit score, or the data used in the credit check, please contact these agencies directly. All credit checks are performed in accordance with Klarna's Terms & Conditions.
Does Klarna improve your credit score?

Using Klarna responsibly can have a positive impact on your credit score. Klarna offers different financing options, including "Pay Later" and "Pay in Instalments." When you use Klarna's financing options and make your payments on time, it demonstrates responsible borrowing behaviour. This can be reported to credit bureaus and potentially improve your credit score over time.

However, it’s important to remember that missed or late payments can have a negative impact on your credit score. Always ensure you understand the terms and conditions of your chosen payment plan and make payments according to the schedule to maintain or improve your credit rating.

If you have any questions about using Klarna or other payment options at Flooring King, please don't hesitate to contact our customer service team. We're here to help you find the best payment solution for your needs.
PayPal

Paying with PayPal at Flooring King is that simple! Enjoy the peace of mind that comes with using one of the world’s most trusted online payment platforms and get ready to enhance your home with our beautiful flooring solutions. If you have any questions or need assistance with your PayPal payment, our customer service team is here to help.

Does Paypal offer finance?

Yes, PayPal offers financing options through PayPal Credit. PayPal Credit allows you to buy now and pay later, giving you the flexibility to spread the cost of your purchase over time. It works similarly to a credit card but without the physical card. Once approved, you can use PayPal Credit at checkout and manage your payments through your PayPal account. Terms and conditions apply, and credit approval is required.

Are my PayPal payments secure?

Absolutely, your PayPal payments are secure. PayPal uses advanced encryption and anti-fraud technology to protect your financial information. When you pay with PayPal, your sensitive details are never shared with the merchant, adding an extra layer of security. Additionally, PayPal offers Buyer Protection, which can help you get a refund if there’s an issue with your purchase.

Do I need a PayPal account?

You don’t necessarily need a PayPal account to make a payment. PayPal allows you to check out as a guest and pay using your credit or debit card without creating an account. However, having a PayPal account provides additional benefits, such as faster checkout, tracking all your transactions in one place, and access to PayPal Credit for financing options. Creating a PayPal account is quick and easy, and it enhances your overall shopping experience.
Paypal Credit - 24 month finance / Pay in 3 - 0% finance

We understand that investing in new flooring can be a significant expense. To help make your purchase more manageable, we offer flexible financing options through PayPal Credit. With PayPal Credit, you can choose between 24-month finance plans or the convenient "Pay in 3" option, both at 0% interest. This allows you to spread the cost of your flooring over time, making it easier to achieve the home of your dreams without breaking the bank.

Does PayPal Credit affect my credit rating?

Yes, PayPal Credit can affect your credit rating. When you apply for PayPal Credit, a hard inquiry is made on your credit report, which can temporarily lower your credit score. Additionally, how you manage your PayPal Credit account, such as making on-time payments or missing payments, can impact your credit rating.

Does PayPal Credit do a credit check?

Yes, PayPal Credit performs a credit check when you apply. This involves a hard inquiry into your credit report to assess your creditworthiness. The result of this credit check will determine whether you are approved for PayPal Credit and the terms of your financing.

Does PayPal credit improve your credit score?

Using PayPal Credit responsibly can potentially improve your credit score. Making timely payments and keeping your credit utilisation low are positive indicators of creditworthiness and can contribute to a higher credit score. However, missed or late payments can have a negative impact, so it's important to manage your PayPal Credit account carefully.
Stripe - Card Payments

We’ve strived to provide our customers with a variety of payment options to ensure a smooth and hassle-free shopping experience. One of the most secure and convenient methods available is Stripe. With Stripe, you can easily pay for your new flooring using your credit or debit card, enjoying a seamless and secure transaction process.

Is Stripe a secure method of payment?

Yes, Stripe is a highly secure method of payment. Stripe uses advanced security measures to protect your payment information, including encryption and secure servers. Additionally, Stripe complies with the Payment Card Industry Data Security Standard (PCI-DSS), ensuring that your data is handled with the utmost care and security. When you make a payment through Stripe, you can be confident that your financial information is safe.

Does Stripe accept AMEX?

Yes, Stripe accepts American Express (Amex) cards. You can use your Amex card to pay for your flooring purchase through Stripe, just as easily as with other major credit and debit cards. This flexibility makes it convenient for you to choose the payment method that best suits your needs.

Can I pay with my credit card?

Absolutely, you can pay with your credit card using Stripe. Stripe supports all major credit cards, including Visa, Mastercard, American Express, and Discover. Simply enter your credit card details at checkout, and your payment will be processed securely and efficiently.

Using Stripe at Flooring King is a straightforward and secure way to complete your purchase. If you have any questions or need assistance with your payment, our customer service team is here to help. Enjoy a seamless shopping experience and get ready to transform your home with our beautiful flooring options.
Direct Bank Transfer

For our business clients and those with private quotes, we have added Direct Bank Transfer as a method of payment. This option allows companies to manage their payments directly through their bank, ensuring a secure and straightforward transaction process.

Do You Accept Bank Transfers?

Yes, we do accept bank transfers. This method is particularly useful for businesses and clients with private quotes who prefer handling payments directly through their bank accounts.

Do You Offer Credit Accounts?

No, at this time, we do not offer credit accounts. All payments must be completed in full through the available payment methods, including Direct Bank Transfer.

How Do I Pay with Direct Bank Transfer?

To pay via Direct Bank Transfer, please contact us for the necessary bank details and instructions. Our customer service team will provide you with all the information you need to complete your payment securely and efficiently.

For any further questions or assistance with your Direct Bank Transfer, don't hesitate to reach out to our team. We are here to help ensure your payment process is as smooth as possible.

Flooring finance options

Ways to pay for your new floor

Klarna pay in 3 - 0% finance

PayPal

Paypal Credit - 24 month finance / Pay in 3 - 0% finance

Stripe - Card Payments

Direct Bank Transfer