Financing your kitchen

Life is anything but predictable. At Magnet, we understand that and offer a range of ways to pay for your kitchen, so you can choose whatever best suits you.

Pay Upfront

Pay upfront

You can pay for your new kitchen in full, straightaway, once you're happy with your chosen kitchen design and you've placed your order. Alternatively, you can pay a low deposit once you have placed your order with your kitchen designer and pay the remaining balance up until 2 weeks before delivery.


Pay Later

Buy now, pay later

With the Buy Now Pay Later option, it’s even easier to get the kitchen you want, when you want it. You pay a £100 deposit, then nothing else for the next 12 months. After the 12 months, you can either settle the balance in full for a fee of £49, choose to spread the cost over 60 months at 8.9% APR representative. Credit is subject to application, financial circumstances and borrowing history. Ts&Cs apply.

View full terms and conditions

Pay Monthly

Pay monthly

We want to make it easy for you to buy a kitchen, so we’ll help you find a way. Choosing to pay monthly means you can spread the cost over 24 - 60 months at 5.9% APR representative. With an initial deposit of just £100, and because we believe in flexibility, you can also increase payments and make early repayments, if you prefer.

View full terms and conditions

Customer & Designer

Am I eligible for finance?

Applicants must be 18 years or over on application date and in permanent UK residence – and have been for a minimum of 3 years. You must be in regular, permanent employment working minimum of 16 hours per week, retired from regular employment (minimum age 50) or, not working through disability. Credit is subject to application and status.Minimum spend £250. Magnet Limited acts as the credit broker and not the lender. Barclays UK acts as the lender. Terms and Conditions apply.

To apply, contact your local store

Buy Now Pay Later

Don't let your dream kitchen wait any longer. With our Buy Now Pay Later option, you can pay a low deposit and then nothing else for a year. After these 12 months, either pay in full for a small fee of £49 or spread the cost over five years at only 8.9% representative. Getting your new family kitchen has never been easier. The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.


Cost of kitchen £ 3,000 £ 5,000 £ 10,000
Agreement Duration 71 months 71 months 71 months
Annual Rate of Interest 8.9% 8.9% 8.9%
Deposit £ 300.00 £ 300.00 £ 300.00
60 Monthly Payments £ 59.98 £ 104.40 £ 215.47
Total Amount of Credits £ 2,700.00 £ 4,700.00 £ 9,700.00
Total Amount Payable £ 3,598.62 £ 6,264.26 £ 12,928.37

If you repay part of the loan on or before the date of the first repayment, Barclays will not charge you interest on the part of the loan you repay. When payment is received, your loan balance will be reduced by the sum of your repayment plus the interest rebate.

Terms and Conditions

*Finance arranged by Magnet Ltd. Allington Way, Darlington, DL1 4XT who acts as a credit broker and not the lender. Magnet Ltd. only offers products from Barclays Partner Finance. Barclays Partner Finance is the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP. Credit is subject to application and status. Ask in store for details. Finance is available across all magnet kitchens.