Interest Free Credit - Spread the Cost Over 6, 9 or 12 months

How does it work?

Make a coffee, then browse our online store to choose the items of furniture or home accessories that youd like for your home or office.

If your total order is larger than £500 you can choose to take 0% free credit for 6, 9 or 12 months.

Start by browsing our website and choose your products to create your dream room. Once you have made your decision just pick up the phone and give one of our experts a call who will take you through the finance process over the phone or can send you an email application to fill our in your own time.

Call us on - 0345 544 1653

Email -

If your application is approved it will be confirmed almost instantly and you'll be asked to eSign the application form. After the credit agreement is completed the order will proceed as normal and your goods will be delivered in accordance with the delivery time estimate that we gave on the product page.

Who provides the finance?

Our finance options are provided by V12 Retail Finance. Their form is simple and quick to complete and you'll have your answer in seconds, V12 Retail Finance, which is owned by Secure Trust Bank PLC. Registered in England and Wales 541132.

Please note

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).


1. Can I have the delivery made to another address?

Orders can only be delivered to the address used to make the application for finance.

2. How do I know if Im eligible?

To apply for credit you must Be at least 18 years of age. A permanent UK resident Be able to make repayments by direct debit. In full time employment (working 16 hours or more per week) including self-employed or living with your spouse/partner who is in regular employment. In receipt of a pension if retired Able to confirm sufficient income if registered disabled Have a debit card or credit card in your name and registered to your address and have a bank or building society current account

3. Is there a minimum order value for credit applications?

Yes. Credit is only available on orders of £500 or more.

4. What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, its usually for one of the following reasons: you do not meet the eligibility criteria; adverse credit reference agency information; your credit score; you are considered to be overcommitted financially or your existing account performance with other lenders.

Back To Top