Finance Options Finance Options

FURNITUREINSTORE

Finance Options

At FurnitureInstore, we believe that furnishing your home should be simple, affordable, and stress-free. That’s why we offer flexible finance options to suit every budget, making it easier than ever to bring comfort and style into your home today. With Buy Now, Pay Later plans through Klarna, Clearpay, PayPal Pay in 3, and DivideBuy, you can spread the cost of your furniture with flexible payments that work for you. Subject to status. 18+ UK residents only. T&Cs apply.

How Our Finance Works

With our straight-forward financing schemes, we can help you easily fund the acquisition of your new furniture in affordable monthly payments. Simple and convenient, with no confusing charges or documents to sign along the way.

Here's what you need to do:

1. Select the furniture you love – Whether sofas, chairs, or even furniture collections!
2. Select a finance option during the check out process – Locate one that suits your financial capabilities.
3. Fill in an application form – You'll get approval in minutes without any stress.
4. Have the furniture delivered and enjoy – Simply pay later!

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

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

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

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

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.

Have Questions?

Frequently Asked Questions

Most customers receive approval within minutes, allowing you to complete your purchase effortlessly and enjoy a seamless shopping experience.
Yes, a simple soft credit check is performed, which does not affect your credit score.
Absolutely! You can clear your finance plan at any time without penalties.
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 Transform Your Home?

Visit our showroom or browse our collection online to find the perfect furniture for your space.

Call Us: +44 02476 705 600 Email Us