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
Split your purchase into 3 interest‑free payments, or pay up to 30 days later. No fees when you pay on time.
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Instant eligibility check at checkout.
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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.
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Fast approval at checkout.
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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.
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Soft credit check with fast decision.
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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.
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Quick application; instant decision.
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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?
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Affordable Monthly Payments:
Spread the cost over time without straining your budget.
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Fast & Easy Application
Apply online in minutes — no paperwork hassle.
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Get Furniture Today:
Enjoy your new sofas and furniture immediately, even if you pay over months.
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Safe & Secure:
Our finance providers are FCA registered and regulated
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Flexible Terms:
Choose repayment periods and amounts that suit your lifestyle.
Have Questions?
Frequently Asked Questions
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.