0% Interest Free - Pay Monthly Furniture Financing

0% Interest Free Furniture Credit

Because we believe you shouldn’t have to compromise on the furniture that you have in your home… Woods is making beautiful furniture and accessories more accessible than ever - with our offering of 0% interest free furniture and home accessories. Pay monthly furniture financing, helping you make the home of your dreams more affordable…

  • 10 or 12 months 0% APR
  • Minimum spend of £250
  • Maximum spend of £15,000

Are you eligible for pay monthly furniture financing?

Before you get started, we need to check that you’re eligible to apply for pay monthly furniture financing. Your application will be considered if:

  • You’re over 18 years
  • You’ve lived in the UK for at least three years
  • You’ve got a bank or building society current account registered in your name
  • You are employed or receiving a pension

N.B. Applications from students and unemployed will not be considered.


Representative Example





Total amount of credit


Loan term

12 months

Annual rate of interest

0% fixed

Monthly repayment


Cost of credit


Total Amount payable



The small print...

Woods Furniture is registered in England 373503. Registered office: 34 – 35 High East Street, Dorchester, Dorset, DT1 1HN. Woods Furniture acts as a broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Woods Furniture may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. V12 Retail Finance Limited is registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number 679653. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Credit provided subject to age and status.

0% Interest Free Furniture FAQ's

How do I apply for interest free furniture credit?

Our interest free furniture credit package is available online, instore and over the phone. If you’re buying online, just go through to our payment page and select the finance option as your method of payment. You’ll 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’ll be asked to complete your agreement by E-signature. You’ll later get a separate email from V12, which will contain your account log in information.

When will I need to make the first payment?

You’ll make your first payment within 25-30 days of your goods being delivered.

Is there a fee for taking up interest free furniture financing?

No. You’ll pay no fees for taking up this finance.

Can I have my goods sent to an address that’s different to the billing address?

No. Delivery needs to be to your billing address.

How soon will I know if I’ve been accepted for finance?

A decision is usually made instantly. However, sometimes V12 Finance will accept your agreement pending further checks which may take up to 24 hours to complete.

If I have poor credit rating can I still get finance?

If you’re worried about how your credit rating might affect your finance being accepted, we advise you call V12 Retail Finance on 02920 468 900. You’ll also find some handy questions answered in their V12 Finance FAQs page. They are open Monday to Friday from 8am – 8pm, Saturday 9am – 6pm, and Sundays and Bank Holidays 10am – 5pm. You can also call Equifax or Experian, to get an up-to-date copy of your credit report.

How do I settle my finance account early?

We act as a finance broker for an external company called V12 Retail Finance, so please call them directly to discuss settlements and other queries relating to payments. Call V12 Retail Finance on 02920 468 900. When you call, ensure you have your agreement number to hand, this will ensure a prompt response.

What if I get declined for credit?

Don’t worry if your finance application gets declined. Just give V12 Retail Finance a call on 02920 468 900. They are on hand to help you with your query. Alternatively, contact our Woods Furniture customer service team on 01305 262666 to discuss other payment options.

What ID do I need for finance?

You’ll need to have a bank account which supports direct debits. Your billing address must be the same as your delivery address. And if you’re applying instore, we’ll need to see your credit/debit card or driving licence.

How do I cancel my application?

To cancel your application at any point before you’ve signed the online documents, you’ll need to give V12 Retail Finance a call on 02920 468 900. Under section 66A of the Consumer Credit Agreement Act 1974 you’ve the right to withdraw from your agreement, without reason, within 14 days from the date that you signed the agreement.


Any other questions?

If you have any questions relating to your 0% furniture financing agreement, call V12 Retail Finance on 02920 468 900. Open Monday to Friday from 8am – 8pm, Saturday 9am – 6pm, and Sundays and Bank Holidays 10am – 5pm.