
Pay Monthly Carpets with Klarna and Clearpay: An Interest Free Option
Quick Links
A Brief History of BNPL in the UK
Benefits of BNPL for Flooring Purchases
Clearpay: A Simple Way to Split Payments
Klarna: Flexible Options for Bigger Projects
When renovating your home or upgrading your flooring, you may find that the costs can quickly escalate. From high-quality carpets to stylish vinyl flooring, these essential home upgrades often require significant investment. Fortunately, Buy Now, Pay Later (BNPL) services have made it easier for UK shoppers to spread the cost of their flooring purchases without needing to pay upfront. This is a great option as opposed to the monthly payment options that charged high interest but provided longer terms.
In this comprehensive guide, we’ll explain how BNPL works with pay monthly carpets, look at the major UK providers like Clearpay and Klarna, weigh the pros and cons, and explore alternatives to help you make the best decision for your budget.
What is Buy Now, Pay Later?
Buy Now, Pay Later is a flexible financing option that allows consumers to pay for goods in instalments rather than in one lump sum. Payments are typically split into weekly, fortnightly or monthly chunks, depending on the provider. These services are widely used across the UK and are especially popular for home improvement purchases, including carpets and vinyl flooring. Providers such as Clearpay and Klarna typically allow customers to pay in 3-4 monthly payments interest free, therefore spreading the cost of the purchase.
BNPL services aim to offer a quick and often interest-free alternative to credit cards or loans, helping consumers to budget more easily.
A Brief History of BNPL in the UK
Buy Now, Pay Later has evolved considerably in the UK over the past decade. While retail finance options have existed for decades through catalogue shopping and traditional store credit, the modern BNPL model began gaining traction in the early 2010s.
Companies like Klarna (founded in Sweden but launched in the UK in 2014) and Clearpay (launched in the UK in 2019) revolutionised the market by offering seamless integration at the online checkout, removing the need for credit card information and offering interest-free instalments.
BNPL saw rapid growth during the COVID-19 pandemic as more shoppers turned to online retailers and sought flexible payment options amidst economic uncertainty. In response to growing usage, the Financial Conduct Authority (FCA) has since moved to tighten regulation and increase transparency across BNPL platforms.
Benefits of BNPL for Flooring Purchases
One of the biggest advantages of BNPL is its convenience. Instead of saving up or taking out a loan, you can order your interest free carpet or vinyl flooring and spread the cost:
-
Immediate Access – Get your carpet or vinyl flooring delivered and fitted straight away without paying the full price upfront.
-
Interest-Free Plans – Many BNPL services charge no interest, provided you pay on time.
-
Budget Control – Regular smaller payments can be easier to manage than large lump sums.
-
Simple Approval – BNPL platforms generally have fast, user-friendly approval processes with minimal paperwork.
- No Credit Checks (in some cases) – Some services like Clearpay avoid hard credit checks, making it accessible to more shoppers.
Considerations and Risks
Despite its advantages, BNPL is not suitable for everyone.
-
Late Payment Fees – Missing payments can lead to late fees and affect your credit rating.
-
Short-Term Only – BNPL is not designed for long-term financing or larger purchases over extended periods.
- Temptation to Overspend – The convenience of spreading payments can make it easier to commit to purchases you might otherwise avoid.
Clearpay: A Simple Way to Split Payments
Clearpay is a user-friendly BNPL platform that lets you split the cost of your purchase into four equal payments over six weeks.
-
How it works: Make your first payment at checkout, followed by three automatic fortnightly payments.
-
Fees: No interest is charged, but late payments may incur fees of £6 (capped at £36).
-
Availability: Widely accepted across UK retailers, including many home improvement and flooring stores.
-
Credit checks: Clearpay does not perform hard credit checks, making it a more accessible option.
Clearpay is particularly suitable for mid-range carpet and vinyl flooring purchases where you need fast approval and short-term repayment.

Klarna: Flexible Options for Bigger Projects
Klarna offers several payment methods that make it highly versatile:
-
Pay in 3: Spread your payment over three interest-free instalments.
-
Pay in 30 Days: Order now and pay the full amount within a month.
-
Financing: Choose from monthly payments over 6 to 36 months, with interest applied for longer terms.
Klarna provides more flexibility than Clearpay and is ideal for customers looking to finance larger home improvement projects. Some options may require credit checks, especially for long-term financing.

Popularity of Interest Free Carpets and Vinyl Flooring
At Carpets Online we have seen an ongoing increase in the selection of Clearpay Carpets or Klarna Carpets as a payment option on our checkout page. Both have a different proposition and the customer has the choice of what is suitable for them. Clearpay Carpets are typically provided in 4 instalments whereas Klarna Carpets give the option of paying in 30 day or in 3 smaller payments. Vinyl Flooring Clearpay is also a popular option when it comes to searching on search engines and at Carpets Onlines we see it as one of the fastest growing payment options.
Final Thoughts
Buy Now, Pay Later is reshaping the way we pay for home improvements in the UK. Whether you’re fitting new carpets throughout your home or installing durable vinyl flooring in your kitchen or bathroom, BNPL offers a way to access high-quality flooring without the upfront cost.
Providers like Clearpay and Klarna offer flexible, transparent options for responsible shoppers. But like any financial tool, they come with responsibilities. Always consider your budget, understand the repayment terms, and avoid overextending yourself.
At Carpets-Online.co.uk, we are proud to support BNPL options for our customers, helping you achieve a beautiful home without financial stress. More information can be found on BNPL provider sites such as Clearpay and Klarna.