Make your purchase more manageable with our flexible finance options, designed to help you spread the cost of your new furniture. Whether you're refreshing a room or investing in a complete home makeover, our finance options make it easier to bring home the furniture you love while spreading the cost over time.
For orders between £100 and £999, finance is available through Shop Pay Instalments, offering a convenient way to split your purchase into smaller payments. For purchases over £1000, we offer finance through V12 Retail Finance, with a range of repayment options to help you find a plan that suits your budget.
Explore our finance options below to learn more about how they work, the available repayment terms and how to apply. All finance options are subject to eligibility, status and approval, with terms and conditions applying.
How it works
Step 1
You've just found your perfect product, now, just checkout as normal. When selecting your payment option, select V12 Retail Finance or Shop Pay Instalments
Step 2
You may be prompted to complete a simple online application as part of our finance checkout process. This allows the finance provider to assess your eligibility, carry out any necessary checks and determine whether your application can be approved.
Step 3
If your order is over £1000 and through V12 Retail Finance, they will review your application and you will receive your agreement straight into your inbox to be signed. Once this is signed, your order will be processed.
Low deposit with up to 4 years to pay or up to 12 months 0% credit
Spread the cost of your new furniture with our range of payment plans. Enjoy up to 12 months interest free payments, or up to 4 years with our our low deposit interest bearing option.
Representative V12 Finance Options
| Term | Purchase Price | Minimum Deposit | Monthly Repayments (Approx) |
|---|---|---|---|
| 6 Months (Min Spend £999) Interest Free (0% APR) |
£1000 | £250 (25%) |
£125 |
| 12 Months (Min Spend £1999) |
£2000 | £500 (25%) |
£125 |
| 12 Months (Min Spend £750) (Classic Credit 9.9% APR) |
£1250 | £125 (10%) |
£99 Total Purchase Price £1309 |
| 18 Months (Min Spend £750) (Classic Credit 9.9% APR) |
£1250 | £125 (10%) |
£67 Total Purchase Price £1336 |
| 24 Months (Min Spend £750) (Classic Credit 9.9% APR) |
£1250 | £125 (10%) |
£52 Total Purchase Price £1364 |
| 36 Months (Min Spend £750) (Classic Credit 9.9% APR) |
£1250 | £125 (10%) |
£36 Total Purchase Price £1422 |
| 48 Months (Min Spend £750) (Classic Credit 9.9% APR) |
£1250 | £125 (10%) |
£28 Total Purchase Price £1482 |
V12 Retail Finance
You can relax knowing that your finance agreement is provided by V12 Retail Finance, one of the leading UK providers of retail credit solutions.
The interest free credit (0% APR representative) and interest bearing credit (9.9% APR representative) advertised is provided solely by V12 Retail Finance. It is provided subject to acceptance and the terms and conditions of V12 Retail Finance. Written details on request. Licensed credit broker.
Fishpools Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 677134. Fishpools Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Orders over £1000 only.
V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.
Shop Pay Instalments
Add the items to your cart. Check out with Shop Pay. Choose the option to pay in instalments.
Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose at checkout. You will receive an email reminder before each payment.
Shop Pay performs a soft check to confirm eligibility, which won’t impact your credit score for checking. You can settle early at any time without extra charges. Shop Pay is available on orders over £100 to £999.
Fishpools Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 677134 . Fishpools Limited offers credit products from Shopify International Limited in partnership with Affirm UK Limited. Shopify International Limited is an Appointed Representative of Affirm U.K. Limited, trading as Affirm, which is authorised and regulated by the Financial Conduct Authority (FRN: 756087). Affirm’s company number is 10199101 and its registered office is at C/O TMF Group, 1 Angel Court, 13th Floor, London, EC2R 7HJ. Credit is provided subject to affordability, age and status. Minimum spend applies.