Interest Free Credit


Interest Free Credit Available. In Store or Online.

Now you can spread the cost of buying beautiful furniture with Interest Free Credit. To apply for Interest Free Credit you either use the finance option on checkout or visit one of our stores where one of our advisers will be happy to take you through the short application process. There's no charge and repayments are totally interest-free!

Do I need to pay a deposit?
If you wish to opt for our interest free (0.0% APR) finance then a minimum 10% deposit is required, you can increase the deposit amount if you wish. No deposit is required for our 9.9% APR option.

What is the minum amount I can have on Finance?
All our finance options require a minium spend of £500.

When do I have to start paying?
Your monthly instalments start one month after your goods are delivered.

How do I apply for Interest Free Credit?
You can apply for Interest Free Credit online by using the 'Apply For Finance' option at checkout or in any of our stores.

Buying on finance? Use our calculator to find a deal to suit you

I'm looking to spend


with a deposit of

Choose your finance option

9.9% Finance

Max order value


Deposit: £0

Monthly payments: £30

Total payable: £1440

Two Options. One Solution.

We currently offer two finance options to our customers, Interest Free and 9.9% APR.

Option 1 - Interest Free Credit

0% APR

A Minimum 10% Deposit is Required

10 or 12 Monthly Repayment Periods Available


Option 2 -  9.9% APR

If you would like to opt for the 9.9% APR option then please select 'No Deposit' when applying for Finance. Our repayment periods also differ for both options - with 10 or 12 months for 0% APR - and 24, 36 or 48 months for our 9.9% option. 


9.9% APR

No Deposit  Required

24, 36, 48 Monthly Repayment Periods Available

No minimum order value


Easy as 1,2,3

Applying for finance is easy and straight forward. Simply add your item(s) to your basket, if they total over £500 then you qualify for finance. Using the 'Apply for Finance' feature pick a credit option which best suits your needs, the calculator will then display both your total repayment amount and monthly repayment installments. 


Step One

Choose your item of £500 or more and click 'add to basket' (We also offer finance for multiple items totalling £500 or more)


Step Two

Review your order and select 'Apply For Finance' at checkout (or come in store and speak to one of our advisors)


Step Three

Pick a finance option that suits you. We offer 0% or 9.9% APR, depending on whether you choose to pay an intial deposit



Frequently Asked Questions

All you need to know.


Am I eligible?

To apply for finance you must be: At least 18 years old. A permanent UK resident. In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment. In receipt of a pension if you are retired. Able to confirm sufficient income if you are registered disabled.

Who provides the finance?

Our finance is supplied by V12 Retail Finance. It is the UK's only specialist retail finance provider. Its secure and friendly online system can provide you with a decision in seconds.

Can my order be sent to a different address?

Finance orders can only be shipped to the address given in your finance application.

When do i start to pay?

You don't start paying for finance until a month after the date of delivery of your order.

Can I pay off the loan early?

Yes you can. Simply call V12 on 02920 468900 and they will help arrange this with you.


 Interest Free Credit available up to 12 months on furniture and carpet purchases of £500 and above. Minimum 10% deposit required. Typical example purchase price £2000, deposit £200, balance £1800 - 12 equal monthly payments of £150.00, 0% APR representative. Credit is provided subject to acceptance by an external finance company. Not available for any in-store concessions.