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How it Works

  • We offer 10 or 12 months 0% APR financing (subject to status) on a minimum spend of £250 and a maximum spend of £15,000.
  • Our interest free furniture credit package is available online, instore, and over the phone. If you are buying online, just go through to our payment page and select the finance option as your method of payment.
  • You will be taken through to the V12 retail finance platform where your decision will be made instantly. A confirmation email will then be sent to you, where you will be asked to complete your agreement by E-signature.
  • You will later get a separate email from V12, which will contain your account log in information.
  • There are no fees to setup your finance and your first payment is usually due 25-30 days after your goods are delivered.

What is required

  • All finance is subject to status and necessary checks. You’ll need to be over 18 and have lived in the UK for at least three years. You will also need a bank account registered in your name and be employed or receiving a pension. We cannot accept applications from students or unemployed.
  • Your delivery address must be the same as your billing address when paying by finance.

Payment Terms

  • On our website, you can choose your deposit level with the slider – from 25% deposit to any % higher.
  • The remainder of the balance is payable either over 10 months or 12 months at 0% Interest, and your first payment is usually due 25-30 days after your goods have been delivered.

Delivery terms

  • Your order will be delivered in the normal way via one of our delivery partners or our in-house delivery team. We ensure that any cooling off periods have passed, and that you are entirely happy with your order before your payments commence. This is why there is usually a 25-30 gap between delivery of your order and your payments commencing.
  • Please note personal details including delivery address are not possible to change if your order is on finance with us. This is part of the terms & conditions of the finance, due to credit checks carried out.