Sofa finance options

Sofa finance options

Ready to purchase your new sofa? Discover our payment options, from purchasing up front to using our 0% APR flexible finance options.

Your Guide to Interest Free Credit Sofas

You can choose to pay for your sofa monthly using our flexible finance options, setting your budget to the exact amount you're comfortable paying. Decide how much deposit you would like to pay* and then see how much it would cost per month for a sofa you love.

Choosing our finance option puts you in charge. Pay a comfortable amount each month, with the option to pay a larger deposit to reduce your monthly payments. Interest Free Credit is available on purchases with a minimum balance of £600, on terms between 12 months to 3 years at 0% APR.**

Full finance terms and conditions are available below.

*Deposit payment by card only. **£600 minimum spend to be eligible. Example monthly payments are illustrated using a 10% deposit, or £100, whichever is greater. All credit is subject to acceptance. We work with multiple lenders and this could result in more than one credit search on your file. 

Are you eligible for finance?

If you wish to use our finance option, you’ll need to be eligible. This means you:

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Have a good credit history, with no bankruptcies, IVA’s, Debt Relief Orders, recent CCJ’s, defaults or other ‘bad credit’ marks on your credit history


Are not aware of any significant changes which may adversely affect your ability to continue to make repayments in the future

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Are a permanent resident of the United Kingdom for at least the last 3 years


Are employed, self-employed, retired or receiving long-term disability benefit


Are not aware of any changes to your circumstances which could prevent you from paying your future repayments

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Are able to pay the required deposit by debit or credit card upon completion of the finance application

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Are 18 years of age, or over

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Have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

Other sofa payment options

As well as our flexible finance options, you can also choose to pay up front in store or online, or pay a deposit and pay the full balance once your delivery date is booked. Want to pay half now and half when you book your delivery? It’s entirely up to you.

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