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Welcome to the Pay Smart Family

Making Home Furnishing Easy and Affordable

Since 2018, Pay Smart Carpets, a family-run business, has been dedicated to transforming homes with quality flooring and flexible payment options to suit any budget. Inspired by our customers' needs, we've expanded the Pay Smart brand to introduce Pay Smart Home, a complete home furnishing experience.

With flexible buy now, pay later options and free delivery, we make it simple to bring your dream home to life, helping you furnish your space with our beautifully and affordably styled range of homeware. With quality in mind, we’ve chosen TVs and sofas from UK-branded companies, ensuring you get the best value products for your money.


“Our aim is to provide the best quality product, price, and service to every customer”

Andrew Hoare - Director


How it Works in 3 Easy Steps
Flexible Ways to Pay

PAY SMART HOME LIMITED trading as Pay Smart Home is an Introducer Appointed Representative of Snap Finance Ltd which is authorised and regulated by the Financial Conduct Authority (Firm reference number 741813). Snap Finance Ltd act as the lender. Representative 29.9% APR

Pay Smart Home is an Introducer Appointed Representative of Social Money Ltd t/a Dopple, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner's Office under reference number ZA026178

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