Quick answer
Yes. My Dream Flooring offers carpets on a pay weekly or pay monthly plan with no credit check. Instead of a credit search, we ask for proof of income, such as a recent payslip or benefits statement, to check the payments are affordable. Plans are interest free over 36 weeks, start from £10 a week and go up to £1,500 credit. Every carpet comes with 10mm luxury underlay, free grippers and door bars. The full price, including the fitting cost, is given upfront at your free home visit, and fitting is paid separately on the day. We cover the North East, Yorkshire & Humber, the Midlands & Cheshire, the North West and Scotland.
Quick links
- How pay weekly carpet finance works
- Why most carpet finance needs a credit check
- What’s included
- Cost per week
- Our carpet ranges
- How we compare
- FAQs
How does pay weekly carpet finance work?
It takes four steps, and you don’t need to visit a showroom.
- Book a free home visit. Your local rep brings over 100 carpet, laminate and vinyl samples to your home, so you can see them in your own light.
- Get your price on the day. Your rep measures up and gives you the full price, including the fitting cost, before you commit to anything.
- Pay £40 per room to get started. Then pay weekly or monthly over 36 weeks, interest free.
- Get it fitted. Once you’ve paid 20% of your balance, your carpet is usually fitted within 3 weeks.
Why do most carpet finance deals need a credit check?
Most carpet finance, including interest-free credit from high street retailers, is arranged through an outside lender and is usually subject to status. That means your credit file is searched before you’re approved, and a missed payment or a thin credit history can get you turned down.
Our plans are handled in-house, with no outside lender involved. We don’t search your credit file. We look at your income and what you can comfortably afford, and benefits count as income. Our guides to new floors without the credit check and pay monthly flooring with no credit check cover this in more detail.
What’s included when you get carpets on finance with us?
- 10mm luxury underlay as standard, thicker than the 8mm most companies fit
- Free grippers and door bars with every fitting
- The full price, including the fitting cost, told to you upfront at your first appointment
Fitting is paid separately, direct to your fitter on the day, so it isn’t added to your weekly or monthly payments. Removing your old carpet isn’t included either, so it needs to be lifted before your fitter arrives.
How much do carpets on finance cost per week?
Plans start from £10 a week, and most customers pay between £15 and £50 a week, depending on the carpet and the size of their rooms. Payments run over 36 weeks with no interest, and with up to £1,500 credit most people can do between one and three rooms in one go. For a rough idea of full room prices, see our guide to how much it costs to replace a carpet.
Want to see what fits your budget before your visit? Try our room calculator below.
Which carpets can I get on a payment plan?
Every carpet in our range is available on a pay weekly or pay monthly plan. There are three ranges, Buckingham, Westminster and Kensington, across Essential, Classic and Luxury tiers, in greys, creams, beiges, browns and more, from practical family-friendly twists to luxurious deep pile.
How does My Dream Flooring compare to other pay weekly carpet companies?
Many pay weekly carpet companies cap new customers at around £450 to £800 of credit. We offer up to £1,500 interest free, so you’re not limited to a single room. Underlay, grippers and door bars are included, and there’s nothing added later. See the full comparison on our Why Choose Us page.
FAQs
Will carpets on finance affect my credit score?
No. We don’t run a credit check, so no credit search is recorded on your file when you apply.
Can I get carpets on finance with bad credit?
Yes. A poor or limited credit history won’t stop you, because we look at your income and what’s affordable, not your credit file.
Can I get carpets on finance on Universal Credit?
Yes. Being on benefits doesn’t affect your eligibility. We just ask for a recent benefits statement as proof of income. See our guide to getting new carpet on benefits.
Is fitting included in the plan?
No. Your rep gives you the fitting cost upfront at your home visit, and it’s paid separately, direct to your fitter on the day.
What if I miss a payment?
Get in touch as soon as you can on 0800 246 1556. We’ll always try to work with you to find a solution first. More answers are on our FAQs page.
Ready to see what’s affordable for your home? Book your free, no-obligation home visit. No credit check, no pressure, just an honest price on the day.
