Flexible Finance Options
We’re delighted to offer a range of finance options to help make buying your new furniture even easier, available both online and in-store.*
Spend £500 or more on furniture
Enjoy 0% APR up to 30 months
Or spread payments up to 5 years at 9.9% APR
Pay as little as 10% deposit
How it Works Online
When you spend £500 or more on furniture, you'll automatically be given the option to apply for finance at checkout.
Our simple finance calculater lets you:
- Select your deposit - as little as 10%
- Choose your term - based on your order value and preferred payment plan
Your exact monthly payment will update in real time before you complete your order. Once confirmed, you'll pay your deposit and receive an email to finalise your payment.
Interest-Free Credit (0% APR)
Enjoy 0% interest when you spread the cost of your furniture with just a 10% deposit.
- 12 months on orders over £1,000
- 18 months on orders over £1,500
- 24 months on orders over £2,000
- 30 months on orders over £2,500
No hidden fees. No interest. Just flexible, stress-free payments.
Interest-Free Calculator
During checkout, you’ll be guided through our easy-to-use finance calculator, allowing you to customise your payment plan in just two simple steps:
1. Select Your Deposit
Use the slider to choose how much deposit you’d like to pay — from as little as 10%. Your monthly payment will update automatically as you adjust it.
2. Choose Your Term
Next, select your preferred repayment period — up to 30 months. Your monthly cost will automatically adjust in real time.
Once you’ve confirmed your deposit and term, you’ll see your exact monthly payment before completing your order. Simply place your order, pay your deposit, and we’ll be in touch via email to finalise your agreement.
Spread the Cost Over 5 Years (9.9% APR Representative)
Prefer to spread your payments over a longer term? Our low-interest option makes it easy to plan your purchase your way.
- 10% deposit
- Available on orders over £500
- Choose from 36, 48, or 60-month terms
Representative Example
- Cash Price: £3,000
- Deposit (10%): £300
- Loan Amount: £2,700
- Loan Term: 60 months
- Monthly Repayment: £57.23
- Representative APR: 9.9%
- Total Amount Payable: £3,734.06
Please note: Finance is subject to affordability, age & status. Minimum spend applies
Frequently Asked Questions
To apply for finance, you must:
- Be 18 years or older.
- Be in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in parttime work or in receipt of a disability benefit.
- Have been a resident in the UK for at least 3 years.
- Have a debit or credit card in your name, which is registered to your address, to pay the deposit where applicable.
- Have a Bank or Building Society current account available – this is required to complete the direct debit instruction.
- Have an email address to receive the important information throughout the application process, including your signed credit agreement.
Yes. A deposit is required, but you're in control - choose how much you'd like to pay upfront, from just 10% of the total order value.
If your finance application isn’t approved, you’ll receive an email explaining the outcome. Please note that a credit check may be recorded on your file.
Applications can be declined for various reasons, such as not meeting the lender’s criteria. If this happens, you can still complete your purchase using any of the other payment options available at checkout.
That depends on the option you choose.
Our interest-free credit (0% APR) has no extra costs or interest, while our Spread the Cost (9.9% APR) option includes interest for longer repayment terms.
There are no hidden fees or setup charges on either option.
If you decide to proceed with your application, a hard credit check will be carried out, which will appear on your credit file and may impact your score, whether approved or not.
If your application is approved, you’ll receive an email from V12 Finance with details to register for their online account management tool.
Once registered, you can:
- View your agreement details
- Check your repayment start date
- Find contact information for any queries
Yes. You can make additional payments or settle your balance early at any time, without any fees or penalties.
No problem. You can choose to pay by cash, debit, or credit card instead.
If you return your order, your credit agreement will be cancelled and any payments you've made will be refunded once your return has been received and processed.
Still Have Questions?
We're here to help. If you have any questions about our finance options, please contact us on 0845 543 0469 (Monday - Friday, 9:30am - 5pm), or reach out via our Contact Form.
Make Your Home a Sterling Home
Explore our collections and find the perfect pieces for every room.
