We want purchasing your personalised furniture to be as comfortable as possible, so we offer an award-winning 0% finance option. Available on purchases of £1,000 and above over a 6 or 12 month period, this payment option can be secured with a minimum 15% deposit.
Your personal payment plan will be dependent on your order value and deposit, however we’ve put some example plans below.
|6 monthly |
|12 monthly |
HOW DO I CHOOSE INTEREST FREE CREDIT?
At the payment step in the checkout, you will be presented with an interest free credit option. You will need to complete a brief secure online application form and the whole process, including a decision, will be completed within minutes.
IS THERE A MINIMUM SPEND?
Our 6 or 12 month 0% finance option is available for orders of £1,000 and above.
WHO IS ELIGIBLE TO APPLY?
Our 0% finance option is available on orders between £1,000 and £15,000. To place your order using this option you will need to be:
- 18 years or older
- A UK resident for 3 years or more/ permanent UK resident
- Able to make regular repayments by Direct Debit
- In regular employment (minimum of 16 hours per week); or be retired with an income including self-employment; or in a permanent residence with your spouse/ partner who's in regular employment
- Have a debit card or credit card in your name and registered to your address and have a bank or building society current account
- Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse/ partner in order to process your application
IS CREDIT AVAILABLE ON ALL FURNITURE?
Credit is available on all furniture from our Available Now collection, as long as the order total is £1,000 and above.
HOW MUCH WILL INTEREST BE CHARGED AT?
There is no interest on your repayments. Our interest free credit is 0% APR over the 6 or 12 month period.
ARE THERE ANY HIDDEN COSTS?
No – you will only pay for your chosen piece of furniture.
WHAT HAPPENS ONCE MY APPLICATION IS APPROVED?
Within minutes of your application being signed you will be asked to either e-sign your credit agreement in a PDF or to print, sign and return your agreement by post to the address shown on the covering letter of the credit agreement. You should read the credit agreement carefully before signing and agreeing to its terms. Please note that your order will not be processed until your completed and signed agreement is returned and received by Klarna.
WHEN DO REPAYMENTS START?
Your monthly repayments will begin one month after your order has been delivered, and continue every month thereafter for 6 or 12 months by direct debit (depending on the payment term you choose).
HOW MANY REPAYMENTS WILL I MAKE?
You’ll need to make 6 or 12 monthly repaymentsto cover the cost of your order (depending on thepayment term you choose).
AM I ABLE TO PAY MORE THAN THE STANDARDMONTHLY PAYMENT?
You can make full or partial payments at any time.Your finance agreement section ‘Early Repayment’or ‘Early Settlement’ will detail your statutoryrights and time period required to make thesepayments.
CAN I REQUEST DELIVERY TO A DIFFERENTDELIVERY ADDRESS?
In order to safeguard against fraudulentapplications, we regret that we’re able only todeliver furniture to the home address of theapplicant.
WHAT HAPPENS IF MY APPLICATION IS UNSUCCESSFUL?
Klarna have one of the highest application successrates in the market, however if your application isunfortunately unsuccessful then you will not beapproved for our 0% finance option. You can try andapply for our interest free payment plan again butwe would advise you leave at least 4 monthsbetween applications.
WHO ARE KLARNA?
Our 0% finance option is provided through ourexternal partner, Klarna. If your application issuccessful you will enter into a Credit Agreementwith Klarna PLC.