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The Smart Kitchen Company
  • Home
  • Kitchen Doors
  • Worktops
  • Sinks & Taps
  • Handles
  • Finance Options

Flexible finance available, choose what suits you best.

Buy Now, Pay Later

Interest-Free Credit

Interest-Free Credit

 Enjoy your new kitchen now and pay nothing for 12 months.
Ideal if you need a payment break but are happy to pay interest later.


  • Nothing to pay for the first 12 months
  • Then spread the balance over 48 months at 9.9 % APR Representative
  • Interest accrues during the 12-month holiday (waived if cleared in full)
  • Minimum spend £2,500

Interest-Free Credit

Interest-Free Credit

Interest-Free Credit

 Spread the cost over 12 months at 0 % APR.
Perfect if you want predictable monthly payments with no interest at all.


  • 0% APR Representative
  • Pay monthly over 12  months – only 10 % deposit
  • Minimum spend £2,500

Finance Plan Examples

Buy Now, Pay Later Option (Nothing to pay for 12 Months)

Interest-Free Credit Option (0% interest, pay over 12 months)

Interest-Free Credit Option (0% interest, pay over 12 months)

 

Representative Example:


Cash Price: £7,000
Deposit: £700 (minimum 10% deposit)
Amount of Credit: £6,300
Representative APR: 9.9% APR (fixed)
Interest Rate: 9.9% p.a (fixed)
Term: 60 months total (12-month deferred period + 48-month repayment term)
Monthly Repayment: £175.24 (over 48 months)
Total Amount Payable: £8,411.73
Total Charge for Credit: £2,111.73


Important: Interest is calculated from the start of the agreement, which means interest will accrue during the 12-month holiday period, even though no payments are made during that time.

Interest-Free Credit Option (0% interest, pay over 12 months)

Interest-Free Credit Option (0% interest, pay over 12 months)

Interest-Free Credit Option (0% interest, pay over 12 months)

 

Representative Example:


Cash Price: £4,000
Deposit: £400 (minimum 10 % deposit)
Amount of credit: £3,600
Interest rate: 0% per annum fixed
Representative: 0% APR
Total term: 12 months
12 monthly payments of £300
Total amount payable: £4000

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