Is interest-free sofa finance really free?

Yes. Interest-free means no interest is added, so the total you repay is the same as the price shown on the product page — you simply pay it in instalments rather than all at once. There is no interest charge for spreading the cost. All finance is subject to status and a credit check with the provider.

Which finance providers can I use?

Four providers are offered at checkout: PayPal Pay in 3, Klarna Pay in 3 or Pay in 30, Clearpay in 4 interest-free fortnightly payments, and DivideBuy for longer-term plans. Each is interest-free. You choose the one that suits you at checkout, subject to approval and a credit check.

What is the difference between the short-term plans and DivideBuy?

PayPal Pay in 3, Klarna Pay in 3 or Pay in 30, and Clearpay in 4 fortnightly payments spread a purchase over a short period with no interest — they suit smaller orders. DivideBuy offers a longer-term interest-free plan, which keeps the regular payment lower and suits larger purchases such as a corner sofa or a set. All are subject to credit check.

Is there a minimum spend for sofa finance?

The minimum spend depends on the provider you choose and the value of your order, so the available options are shown at checkout once your basket total is known. If you would like to check before you order, our team can talk you through which providers tend to suit different order values — call 02476 705 600.

How do I apply for finance?

You apply at checkout when you place your order. The application with PayPal, Klarna, Clearpay or DivideBuy takes a few minutes and the decision is usually quick. It involves a credit check and is subject to status, so it is best to apply when you are ready to buy rather than as a trial.

Will applying for finance affect my credit score?

A finance application normally involves a credit check that can appear on your credit file. Several applications in a short period can affect your score, so it is best to apply when you are ready to buy rather than as a speculative check. Each provider runs its own assessment.

Can I pay off my finance early?

Yes. You can settle a PayPal, Klarna, Clearpay or DivideBuy balance early by contacting the provider directly. Because the finance is interest-free, paying early does not change the total you pay.

What can I buy on finance?

Finance applies right across the sofa range — two- and three-seater sofas, corner sofas, sofa beds, recliner sofas and sets, and footstools to match. The finance options available are shown on each product page and again at checkout, so you can see which providers apply to your chosen item.

Does buying on finance change my delivery?

No. Choosing finance does not change the delivery service. Delivery is free to England & Wales, carried out by a two-person team to your chosen ground-floor room, usually within 7 to 10 working days. Old sofa removal can be added at checkout.

What happens if I return a sofa bought on finance?

The standard 14-day change of mind period applies to financed orders in the same way as cash orders. If you return the sofa, the finance agreement is cancelled and any payments you have made are refunded. Call 02476 705 600 to arrange a return within that window.

What happens if my sofa arrives damaged?

If your sofa arrives with any damage, contact our team as soon as possible on 02476 705 600 with your order details and, where possible, a photo, and we will arrange the next steps for you. Buying on finance does not change this — it is handled the same as any other order.

What protection do I have when I buy on finance?

You are covered by our 14-day change of mind returns policy, which applies to financed orders just as it does to cash orders, and if anything arrives damaged our team will arrange the next steps for you on 02476 705 600. For any cover specific to a model, check its individual product page before you order.

Sofas on Finance | Interest-Free Plans | Furniture Instore

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