Spread The Cost
Finance Options
Renovating, extending or starting a big project? Finance your materials across monthly payments with Interest-Free, Buy-Now-Pay-Later or low APR options.
Interest-Free Credit
0% APR
Spread the cost with zero interest. Ideal for planned renovations and extensions.
- Loan amounts £5,000 – £30,000
- Terms: 12, 24 or 36 months
- 20% deposit required on order
- Subject to status and credit approval
Buy Now, Pay Later
9.9% APR
No payments for 12 months, then pay the remaining balance over up to 5 years.
- Loan amounts £2,000 – £30,000
- Minimum 10% deposit (£500 on orders under £5,000)
- Start paying month 13, clear over 60 months
- 9.9% APR representative
Interest-Bearing Credit
5.9% APR
Lowest monthly payments across the longest term. Good for larger projects.
- Loan amounts £2,000 – £50,000
- Repayment up to 6 years
- Minimum 20% deposit on orders over £5,000
- 5.9% APR representative
Who Can Apply
You'll Need To Be
- UK resident aged 18 or over
- In regular employment or self-employed
- 3 years’ UK address history
- UK bank account for direct debit
Please Note
- Finance is for retail (non-trade) customers only
- Subject to status and credit approval
- Finance excludes labour and installation services
- Minimum order value £2,000
How To Apply
Shop & Plan
Build your materials list in-branch or online. Reach minimum £2,000 order value.
Choose Finance
Select your preferred finance option and deposit amount at checkout.
Apply Online
Complete a quick application with our finance partner. Decision in minutes.
Receive Order
Once approved, pay deposit and we process your order for delivery or collection.
Important Information
Stonebridge Builders Merchants acts as a credit broker and not a lender. Finance is provided by authorised third-party lenders subject to status and affordability checks. Rates shown are representative — your actual rate may vary based on credit assessment. Missing payments may affect your credit rating and your ability to obtain credit in the future. Full terms and conditions are provided at the point of application.
Project Ideas
What You Can Finance
Finance covers the materials for almost any home improvement project. Build your list, reach the minimum order value and spread the cost.
Kitchens & Bathrooms
Units, worktops, tiling, sanitaryware and all the fixings.
Extensions & New Builds
Bricks, blocks, timber, insulation and structural materials.
Roofing & Cladding
Tiles, slates, membranes, guttering and fascias.
Landscaping & Driveways
Paving, aggregates, sleepers, decking and fencing.
Insulation & Plastering
Boards, batts, plaster, beads and drylining systems.
Full Renovations
Everything for a whole-house project on one finance plan.
Before You Apply
Finance FAQs
Will applying affect my credit score?+
The lender carries out a credit and affordability check as part of your application. As with any credit application this leaves a record on your file. Our team can talk you through what to expect before you apply.
How quickly will I get a decision?+
Most applications receive a decision within minutes of submitting the online form with our finance partner. You will know straight away whether you can proceed.
Can trade customers use finance?+
No — these finance options are for retail (non-trade) customers. Trade customers should open a trade account, which offers 30-day credit terms on approval.
What happens after I am approved?+
You pay your deposit and we process your order for delivery or collection just like any other purchase. Your monthly repayments then run with the lender.
Can I pay my finance off early?+
Yes. You can settle your agreement early — your lender will confirm any settlement figure. Early repayment can reduce the total interest you pay on interest-bearing plans.
Questions About Finance?
Our team can walk you through the options and help you pick what fits your project and budget.