Whatever you’ve got your eye on, paying for it should feel just as comfortable.
That’s why our payment options are built to fit around your lifestyle. Whether you want to split the cost or pay in a way that feels more manageable, it’s all designed to keep things simple.
To apply for finance, you must meet the following criteria:
- Be 18 or older
- Be in permanent paid employment, self-employed, a homemaker, retired and receiving a pension, a working student in part-time work, or in receipt of a disability benefit
- Have been a resident in the UK or Jersey for at least 3 years
- Have a debit or credit card in your name, registered to your address, to pay the deposit (where applicable)
- Have a Bank or Building Society current account available (required to complete the Direct Debit instruction)
- Have an email address to receive important information throughout the application process, including your signed credit agreement
Spreading the cost makes it easier to get the furniture you need now without the upfront expense. 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
