Kitchen finance - no credit check?

SDavies84

Hi, is anyone aware of any kitchen companies that would accept bad credit? I've recently bought a home and kitchen is worse than I thought! I want to get it redone, but don't think I will pass financing checks due to some old debt. (Everything has been good the last 4 years, it's just historical stuff). Does anyone know of companies that accept bad credit or don't credit check?

BarelySentientAI

They mostly finance through someone like Novuna or Creation anyway - neither of which have the sharpest credit requirements.

Brie

We got a new kitchen through a national DIY company.  I decided to go for the Creation 0% for 4 years fully expecting to be turned down. (miniscule household income)  I was surprised that they gave me double the credit needed for the kitchen which frankly was 3 times the household income.  I had savings I could have used instead but why use that when I could keep it a high % and get the credit for free.

Must say though - I hate Creation as a creditor as there is no record available that shows how much I've been charged vs how much I'm paying each month.  

Belenus

Brie said:

......Must say though - I hate Creation as a creditor as there is no record available that shows how much I've been charged vs how much I'm paying each month.  

I have used Creation many times for 0% interest purchases from John Lewis, Richer Sounds and other retailers.

The payments are made by monthly direct debits. I can easily check balances owed by logging onto my Creation account.

I get an email each month reminding me that they are about to take the latest monthly payment by DD.

The last email a few days ago reminded me that this would be the last of 12 payments for a John Lewis purchase made 12 months ago.

I don't take out interest paying deals so I don't know if that is different.