Payment Options
Home is where everything comes together - family, comfort, and the furniture that make it yours. Our flexible payment options are designed to make furnishing your home simple, affordable, and worry-free.
Pay in Full
You can pay in full online or in-store using any of the following:
- Visa or Mastercard (online and in-store)
- American Express (online only)
- Apple Pay and Google Pay (online only)
Your payment is processed securely, and we never store your full card details — just a token for future purchases and the last four digits so you can recognise your saved card.
Interest-Free Credit
Spread the cost on furniture orders over £500 with interest-free credit* - available both online and in-store.
It's a simple, flexible way to make your purchase more manageable, with:
- 0% interest and no hidden fees
- Flexible repayment terms of up to 36 months
- Deposits from just 25%
Pay with Klarna
Enjoy even more flexibility with Klarna, available online.
Choose from two payment options:
- Pay in 30 Days: Order now and pay up to 30 days later.
- Pay in 3: Split your payment into three equal, interest-free instalments.
Your Top Questions Answered
Enter your code at checkout exactly as shown. Please note, only one promo code may be used per order.
Yes. We never store your full card details, only a secure token and the last four digits, so you can identify your card.
We accept Visa and Mastercard both online and in-store. American Express is available online only.
You can pay using Google Pay, Apple Pay, Klarna, card payments, or apply for finance*.
Gift cards can be bought and redeemed in-store only.
At checkout, choose “Apply for interest-free credit.”
Use the simple calculator to select your deposit (min. 25%) and repayment term (up to 36 months). Once you’re happy, place your order and pay your deposit. You’ll receive a confirmation email shortly after. Learn more about Interest-Free Credit.
Your basket total must be £500 or more to be eligible for interest-free credit.
Price Match Promise
At Sterling Home, we believe in fair, everyday value. If you find the same item for less at another UK retailer (online or in-store), we’ll match the price — no gimmicks.
Make Your Home a Sterling Home
Explore our collections and find inspiration for every room.
