We know that applying for finance doesn’t always go to plan but that shouldn’t mean missing out on the sofa you love.
“I thought getting my sofa just wasn’t possible. I booked a quick call and they walked me through other options. Now my sofa’s on the way! Honestly couldn’t recommend them more.
To apply for finance, you must meet the following criteria:
• Must be 18 years of age or older
• Must be in permanent paid employment, self employed, a homemaker, retired and receiving a pension, a working student in part time employment, or in receipt of a disability benefit
• Must have been a UK resident for at least 3 years
• Must have a debit or credit card in their name, registered to their current address, to pay the deposit where applicable
• Must have a Bank or Building Society current account available, as this is required to complete the Direct Debit instruction
• Must have a valid email address to receive important information throughout the application process, including their signed credit agreement
Spreading the cost makes it easier to get the furniture you need now with a manageable upfront deposit and monthly payments. With multiple monthly payment options, you can pay in manageable instalments that suit your budget. This gives you the freedom to enjoy your sofa today while paying over time, with terms and conditions tailored to your plan.
Applying for finance is quick and simple, just follow these steps.
Step 1 Once you have decided on which items you wish to purchase, select these into your basket and checkout as normal.
Step 2 Continue through the checkout and select a payment option that suits your lifestyle. This may direct you to one of a finance partners.
Step 3 Our finance provider will then ask for your personal details such as employment information, proof of address and bank details.
Step 4 You will then receive an instant decision and will be redirected back to the checkout to complete the order.
Finding the right payment plan is simple. Visit our Finance Information page to explore three flexible options: V12 Retail Finance, DivideBuy and Clearpay. Compare them easily and choose the one that works best for your budget and lifestyle.
Below are example payment plans based on an average order value of £1,500 with a minimum 10% deposit:
24 Months
- Cash Price: £1,500.00
- Deposit: £150.00
- Total Amount of Credit: £1,350.00
- Loan Term: 24 months
- Annual Rate of Interest (Fixed): 7.59%
- Monthly Repayment: £64.79
- Representative APR: 14.9%
- Total Cost of Credit: £204.96
- Total Amount Payable: £1,704.96
36 Months
- Cash Price: £1,500.00
- Deposit: £150.00
- Total Amount of Credit: £1,350.00
- Loan Term: 36 months
- Annual Rate of Interest (Fixed): 7.66%
- Monthly Repayment: £46.12
- Representative APR: 14.9%
- Total Cost of Credit: £310.32
- Total Amount Payable: £1,810.32
48 Months
- Cash Price: £1,500.00
- Deposit: £150.00
- Total Amount of Credit: £1,350.00
- Loan Term: 48 months
- Annual Rate of Interest (Fixed): 7.77%
- Monthly Repayment: £36.87
- Representative APR: 14.9%
- Total Cost of Credit: £419.76
- Total Amount Payable: £1,919.76
