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FlexiPlan Powered by creation. The credit account that puts you in control.

FlexiPlan

Only available on in-store purchases

Perfect for any makeover projects in and around your home. Whether you want to refresh your kitchen, redesign your bathroom, or give your garden some much-needed TLC, you can finance your entire purchase with a B&Q FlexiPlan account.

FlexiPlan Account Login
Learn more about Flexiplan. The credit account that puts you in control. Powered by Creation.

What is FlexiPlan?

We’ve partnered with finance provider Creation to bring you FlexiPlan, an easy to control credit account for your B&Q purchases over £75.

With a FlexiPlan finance account you can take control of the way you pay for those home improvements again and again, big and small. Start by tailoring your repayments, then look after your account online – track your balance and choose the term for each new purchase. Creation provides the finance, and it’ll be their name on your bank statement. They have over 50 years of experience, so you’re in good hands.

With your FlexiPlan account you get a credit limit that you can use for future purchases at 17.9% APR representative (variable).

When you open a FlexiPlan credit account you can spread the cost of your purchases with our huge range of credit terms. One application, one credit search, multiple repayment options.

Interest free credit

Is not paying any interest your number one priority? Spend over £1,000 and you will have the option to spread the cost interest free…

  • £1,000 for 1yr interest free
  • £4,000 for 2yrs interest free
  • £7,000 for 3yrs interest free
  • £10,000 for 4yrs interest free
  • £15,000 for 5 years interest free credit (limited time only)

Buy now pay nothing for 12 months

Would you like to pay nothing for up to 12 months? Select our Buy Now Pay Later option to pay nothing for up to 12 months and spread the cost between 12-36 months on purchases over £500. (17.9% APR representative).

If you pay your full credit balance by your agreed end date, you will pay no interest on your purchase. Any payments that you make towards this amount by the end of the Buy Now Pay Later period will not incur any interest. Any balance left to pay after this date, will incur interest at the rate of interest shown on your credit agreement from the date of your purchase. 

Low monthly payments

Is a low fixed monthly payment important to you? Choose a term to suit your budget on purchases over £75. Spread the cost from 3-60 months. (17.9% APR representative)

Limited time offer until 27th May 2026

Spend over £75 and spread the cost from 3 -60 months APR: 4.9%

Flexiplan B&Q representative example - 17/9% APR representative (variable). 17.9% PA interest rate (variable). £1,200 assumed credit limit.

Calculate your FlexiPlan repayments

Am I eligible to apply?

Check your eligibility for finance.

If you can answer yes to all the questions below, good news, you are eligible to apply for a B&Q FlexiPlan account.

  • Are you aged between 18 and 80?
  • Do you have a minimum net income of £10,000 a year or more?
  • Have you been a UK resident for at least 3 years?
  • Can you provide a telephone number?
  • Do you have a bank account in your name, which Direct Debits can be taken from?
  • Can you provide valid proof of ID? We accept; full UK driving licence or valid UK or international passport.

If you fit the criteria and want to apply, click the button below to begin the application process. You’ll be taken through to the credit application website hosted by our partners, Creation Consumer Finance Ltd.

You can complete the eligibility checker and get a decision right away. Checking whether you're eligible won't affect your credit score.

What happens next?

  • 1. Proof of ID.

    Proof of ID

    We'll ask you for some personal details and proof of ID (passport, or driving licence.)

  • 2. Check for eligibility.

    Eligibility check

    We'll carry out a quick eligibility check without affecting your credit rating.

  • 3. Sign the e-agreement.

    Apply and E-sign Agreement

    Complete a full application, and if accepted you will need to review your documents and e-sign the agreement. (A full application will leave a footprint on your credit file).

  • 4. Access your account online.

    Register your account online

    Get access to the Online Account Manager, which allows you to select a repayment option each time you make a purchase.

FlexiPlan FAQs

How do I apply for a B&Q FlexiPlan account?

You can apply for a FlexiPlan account before or during a visit to one of our stores by completing an application on your phone, tablet or desktop computer. You can complete an eligibility check before applying which has no impact on your credit score.

What happens if I miss a payment?

Missed or late payments may incur additional fees including interest charges and have a negative impact on your credit file and the ability to obtain credit in the future.

Are there certain restrictions on products that can’t be paid via FlexiPlan?

The purchase of gift cards. (Gift cards can be used to pay a deposit in store).

How do I access my account?

When accepted for a B&Q FlexiPlan account, you’ll be sent an email asking you to register on the Online Account Manager (OAM). This is where you can manage your account, view all your purchases, change your payment plan, make additional payments, or pay in full at any time at no extra cost.

Alternatively, you can register your account by going to the website, https://youraccount.diyflexiplan.com/register and following the instructions. For your security, you will be sent a code to the email account and mobile number that you used when you first applied for B&Q FlexiPlan.

Where can I use my B&Q FlexiPlan account to shop?

FlexiPlan can be used in all B&Q stores. FlexiPlan currently can’t be used for purchases online.

Are you having money worries?

If you're struggling to make your repayments, the Creation Consumer Finance team can help.

To save time and for Creation Consumer Finance to give you the best help they can, please have these things to hand when you call them:

  • Your B&Q FlexiPlan account number
  • Your monthly income and expenditure
  • A pen and paper to jot things down

Contact Creation Consumer Finance on 03330 327 740.

Or login to your B&Q FlexiPlan account https://youraccount.diyflexiplan.com/login where you will be able to:

  • Manage your account
  • Manage your profile
  • View your payment plan
  • Check your online statements

https://youraccount.diyflexiplan.com/login

Other organisations or charities that could help you:

Credit is provided by Creation Consumer Finance Ltd. Authorised and regulated by the Financial Conduct Authority.

Can't find the answer you're looking for? Read all of our Finance FAQs.

Terms & conditions

Credit is subject to status and affordability. Terms, conditions and eligibility criteria apply. Minimum spend £75. Exclusions apply. B&Q Limited acts as a credit broker and not a lender. Credit is provided by Creation Consumer Finance Ltd (the lender).

B&Q Limited is authorised and regulated by the Financial Conduct Authority (FRN 712268), Registered office: B & Q House Chestnut Avenue, Chandlers Ford, Eastleigh, Hampshire, SO53 3LE. Registration No.  00973387.

Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 311518). Registered in Northern Ireland, Registration No. NI032565. Registered office: 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT.

We may receive a commission for arranging your finance, dependant on the finance option selected. The commission is a percentage of the amount you borrow and does not influence the rate you pay. You can ask for details of the commission by contacting Creation Consumer Finance Ltd.