Furnitureinstore finance your sofa

How Our Finance Works

Our simple, transparent finance plans allow you to pay for your furniture in manageable monthly installments. No hidden fees, no complicated forms — just a smooth process from start to finish.

Step-by-Step:

  1. Choose Your Furniture: Select your favourite sofas, chairs, or furniture sets.
  2. Select From Our Range Of Finance Providers At Checkout: Choose a plan that works for your budget.
  3. Complete a Quick Application: Get a decision in minutes — online and hassle-free.
  4. Enjoy Your Furniture Today: Your furniture is delivered while you pay over time.

How to buy with Finance

  • Choose your furniture
  • Add to basket
  • Select Checkout
  • Enter your delivery & contact details
  • When asked for Payment, select from the range of finance options that we have available
  • Complete the short finance form (instant decision)
  • Review and accept the terms
  • Confirm order to complete checkout

Finance Options

Klarna – Pay in 3 / Pay in 30

Split your purchase into 3 interest‑free payments, or pay up to 30 days later. No fees when you pay on time.

  • Instant eligibility check at checkout.
  • No interest or fees when you pay on time.
  • Manage payments in the Klarna app.

Representative example: Pay in 3 – 3 monthly payments of £X with 0% interest. 18+ UK residents only.

Clearpay – 4 Interest-Free Payments

Pay in 4 interest-free instalments every 2 weeks. No interest, no fees when you pay on time.

  • Fast approval at checkout.
  • Automatic payments every 2 weeks.
  • Track your plan in the Clearpay app.

Representative example: Total £X – 4 payments of £X every 2 weeks (0% APR). 18+ UK residents only.

PayPal – PayPal Pay in 3

Split the cost into 3 interest-free payments over 2 months when you choose PayPal at checkout.

  • Soft credit check with fast decision.
  • No interest, no set-up fees.
  • Manage everything in your PayPal account.

Representative example: Purchase £X – first payment today, then 2 monthly payments of £X (0% APR). 18+ UK residents only.

DivideBuy – 6–36 Months

Spread the cost over 3–12 months. Interest-free options available on selected terms. Credit subject to status.

  • Quick application; instant decision.
  • Flexible terms to suit your budget.
  • Set up Direct Debit; manage online.

Representative example: Cash price £1,200; 12 months at £100/month; Total £1,200; 0% APR when interest-free is offered. 18+ UK residents only.

Why Use FurnitureInstore Finance

Why Choose Our Finance Options?

  • Black outline of two credit cards on a white background

    Affordable Monthly Payments:

    Spread the cost over time without straining your budget.

  • Black icon of a battery with a lightning bolt on a white background

    Fast & Easy Application

    Apply online in minutes — no paperwork hassle.

  • Black outline of a house on a white background

    Get Furniture Today:

    Enjoy your new sofas and furniture immediately, even if you pay over months.

  • Black icon of two hands holding a shield with a check mark on a white background

    Safe & Secure:

    Our finance providers are FCA registered and regulated

  • Icon of a document with checkboxes and a pen on a white background

    Flexible Terms:

    Choose repayment periods and amounts that suit your lifestyle.

Finance FAQs

How quickly can I get approval?
Most customers receive approval within minutes, allowing you to complete your purchase effortlessly and enjoy a seamless shopping experience.
Is there a credit check?
Yes, a simple soft credit check is performed, which does not affect your credit score.
Can I pay off early?
Absolutely! You can clear your finance plan at any time without penalties.
What happens if I miss a payment?
If you miss a payment, your finance provider will get in touch to let you know and explain your options. You may be charged a late payment fee or interest depending on your finance agreement.

Missing payments could affect your credit score and may make it harder to get credit in the future, so keeping your payments up to date is important.

Ready to Apply?

Applying is quick, simple, and completely online. Choose your furniture, select a finance plan, and get approved in minutes.

📧 sales@furnitureinstore.co.uk 02476 705 600