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Tile Now, Pay Later!

Why wait for your perfect living space?
Order your tiles in-store today and take advantage of up to 30 months interest free credit, with no deposit to pay.


Interest Free Credit Banner

Affordable Finance Options

Interest free credit payment plans are available on spends of £500 (inc. VAT) and over, purchased in-store at all CTD stores nationwide. No deposit to pay and no interest charges.

  • Spend £500+ pay over 10 months
  • Spend £750+ pay over 10 or 20 months
  • Spend £1000+ pay over 10, 20 or 30 months
Interest free credit representative example:




  • Who can apply for Interest Free Credit?

    For us to consider your application, we’ll need you to meet the following criteria…

    • Minimum age 18 at date of application
    • Maximum age 85 (at the end of the agreement), unless the term is no more than 12 months (in which case there is no maximum age limit)
    • UK residence for last 3 years’ minimum
    • Be able to supply a fixed landline telephone number (A mobile number may be entered as a home number, as long as a fixed landline is provided for your work number and vice versa. If selecting Retired, Disability Allowance or Homemaker for employment status you must provide a landline number, as there will be no work number field to complete)
    • Have a Bank Account which supports Direct Debit. You should show the bank card, cheque book or statement for that account. The bank account must be in the name of the applicant.
    • Employment status: Full Time Employment (16hrs+ per/wk) | Part Time Employment (up to 16hrs per week) | Self Employed | Retired | In receipt of Disability Allowance | Homemaker

    Minimum spend of £500 inc. VAT applies. Credit available on RRP purchase only. Excludes sale items, special offers, manager’s specials and other money off incentives.

  • How do I apply for Interest Free Credit?

    Credit is available subject to status on RRP purchases of £500 or more. Applications can be made in-store only at all CTD Tile Showrooms across the UK, once you have decided on your purchase. Please ask a member of staff for more information.

  • Who provides the finance?

    Ceramic Tile Distributors (CTD) of Saint-Gobain House, Binley Business Park, Coventry CV3 2TT Registered in England, acts as a credit broker, not as a lender, and only offers credit issued by Creation Consumer Finance, 6th Floor Wellington House, Wellington Street, Belfast, BT1 6HT. Authorised and regulated by the Financial Conduct Authority.

  • When do my payments start?

    The first payment date is always displayed as 30 days* after the date of proposal.

    • If the goods are delivered within 20 days of the date of proposal, then your first payment date will remain as shown on the loan agreement
    • If the goods are delivered 21 days or more after the date of proposal, the first payment date automatically defaults to the same day of the next available month
    • For Example:

    An agreement proposed on 5th October will display…

    • A First Payment Date of 5th November
    • If the goods are delivered on 27th October, the First Payment Date automatically defaults to 5th December

    *Exception – We do not allow payment dates of the 29th, 30th or 31st. Instead these will default to the 1st of the following month. Your first payment will not be taken until you have received your goods.

  • Managing your Interest Free Credit payments

    You can manage your account online at www.creation.co.uk. Once you have registered, you can interact with your account.

    Some of the key features are:

    • Make payments quickly and easily
    • Display current balance
    • View a statement
    • Update your contact details
    • Change your Direct Debit date (once your first payment has been made)
    • And much more…
  • Can I pay more than my regular monthly repayment or pay additional amounts to reduce my account balance?

    You can increase the amount of your monthly payment or make additional payments at any time to reduce your account balance and shorten the term of your loan. CTD don't hold any re-payment details. You will need to contact your finance provider, Creation Consumer Finance directly on 0371 402 8905 and they will be happy to help.

  • What is your cancellation policy?

    You have the right to withdraw from the credit agreement within 14 days from the day after you receive an executed copy of the finance agreement. You are not withdrawing from the purchase of the goods; just the payment method. The right only applies to the Credit Agreement, NOT the goods purchased.


Creation logo

Credit available on RRP purchases only. Excludes sale items, special offers, manager's specials and other money off incentives.
Credit is available subject to status, to UK residents aged 18 or over, minimum spend applies. Ceramic Tile Distributors (CTD) of Saint-Gobain House, Binley Business Park, Coventry CV3 2TT Registered in England, acts as a credit broker, not as a lender, and only offers credit issued by Creation Consumer Finance, 6th Floor Wellington House, Wellington Street Belfast, BT1 6HT. Authorised and regulated by the Financial Conduct Authority.



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