Pay Per Week Carpets and Beds

Pay Per Week Carpets and Beds: flooring and furniture on instalment finance

Pay Per Week Carpets and Beds is a UK retailer that sells flooring, sofas, beds, mattresses and garden furniture under a pay-weekly model. Rather than a single upfront payment, customers spread the cost through one of two financing routes the company sets out on its site: its own in-house finance or an arrangement with Snap Finance.

Two ways to spread the cost

The company presents two payment options. Under Pay Per Week In-House finance, it states there are no credit checks and no interest, and that a purchase is approved as long as the weekly, fortnightly or monthly payment is affordable. New customers are described as entitled to instant credit of up to £750 through this route.

The second option is Snap Finance, which the retailer presents as a way to shop immediately and spread the cost over up to 48 months in line with the customer's budget. The site quotes a representative 29.9% APR for this option and notes that credit is subject to status and terms and conditions. Customers spending more may be eligible for up to £2,000 through Snap Finance.

Flooring range

The flooring side of the catalogue is organised into three families: carpet, vinyl and laminate. The retailer also advertises free carpet samples, allowing customers to see the material before committing to an order.

Sofas, beds and furniture

The seating range covers two-seater sofas, three-seater sofas, sofa sets and corner sofas, alongside a dedicated sofa sale section. The bed range includes divan packages, bed frames, storage beds and kids beds, with a separate bed sale and a mattresses category. A furniture section and a garden areas section complete the product line-up.

Fitting and fees

The company advertises fast and free fitting together with no hidden fees, presenting these as part of the offer rather than as optional extras.

Home visits and customer service

Beyond ordering online, the site includes a facility to book a home visit. A customer service team handles questions by phone and email, and the company publishes a set of frequently asked questions covering finance, payment options and samples.

Regulatory status of the finance arrangements

The site sets out the regulatory position of each financing route separately. For Snap Finance orders, it states that Pay Per Week Carpets And Beds Limited is an Appointed Representative of Snap Finance Ltd, which is authorised and regulated by the Financial Conduct Authority (firm reference number 741813) and acts as the lender; Snap Finance Ltd is registered in England and Wales with company number 08080202 and a registered address at 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB.

For in-house finance on orders up to £750, the company states that Pay Per Week Carpets and Beds Limited is an appointed representative of United Carpets (Franchisor) Limited, regulated by the Financial Conduct Authority (firm reference number 656323). In both cases the site notes that credit is subject to status and that terms and conditions apply.

Local coverage

The site lists area-specific pages for pay weekly carpets in a series of locations, including Birmingham, Blackburn, Blackpool, Cardiff and Newport, Crewe, Darlington, Durham, Hull, Leeds, Leicester, Liverpool, Manchester, Middlesbrough, Newcastle, Nottingham, Preston, Sheffield, Stoke, St Helens, Sunderland, Teesside and Wrexham.