Furniture on Finance

Are you planning to move to a new area?

You must provide a bank account number and cellular phone number to your parents or relatives if you want to move in or give gifts. Once the payment is complete, send a request via e-mail to with any new information. V12 Finance can provide you with information. We will then send it to V12 finance for a reply and allow us to deliver goods the address.

Are you planning to move to a new area?

The Best Catalogues for Pay Monthly or Pay Weekly Furniture

Furniture financing options

Affordable furniture financing can help you bring your next project to fruition. Our flexible financing option allows you to spread the cost of buying a new sofa, furniture, cooker, washing machine ,carpet or anything you may need for your new home. You can pay monthly, or every four years with a minimum purchase of £500. Our beautiful furniture is more affordable because we offer interest free finance for orders over £1000.

Furniture financing options

Fishpool: Simple Payment Plans

Spread the cost of your purchase. Fishpools offers great financing options to make your home a home. Credit options available online and in-store for orders above £750.

Our Simple Payment Plans

Maximum 24 Months Interest-Free Credit (0% Typical Annual APR. – minimum deposit 20%)

  • Purchases over £750 qualify for 6 months of interest-free credit
  • 12-month interest-free credit for orders above £1250
  • Purchases over £2500 qualify for 18-month interest-free credit
  • 24 month interest-free credit for orders above £3950

Maximum 48 Months Interest-Bearing Credit – minimum deposit 10%

  • 36-month interest-bearing credit for orders above £750
  • 48-month interest-bearing credit for orders above £750

Below are some examples of work. Simply enter the order value.

What is the process?

The Easy Payments Plan is so simple;

  1. Once you’ve found the right product, checkout as normal
  2. Click on “Purchase Finance” to access our credit calculator. You can then choose a payment amount and a period that suit you.
  3. The next step is to complete some details.
    Bank details, including account number and type code
    Contact telephone number and email address
    Information about income and employment
  4. We then hand your order and deposit to V12 Retail Finance.
    Within 24 hours of being accepted, you will receive a confirmation email.

V12 Retail Finance must accept any offer of finance. You will be asked to “esign” your credit agreement online if you are successful.

If your application is rejected for any reason, V12 will contact you to discuss.

Are there any restrictions?

There are restrictions to ensure that your Easy Payments work for you.

  • You must be at least 18 years old
  • Your partner or you are in permanent paid employment, self employed, receiving a pension, working as a student or in receipt a disability benefit.
  • At least three years must you have been a UK resident.
  • A debit card or credit card registered in their name to allow them to pay the deposit
  • You will need to have a current account at a Bank or Building Society in order to initiate the direct debit instruction.

Oak furnitureland

Our affordable furniture financing can make your next project a reality.

Spread the cost of your furniture with our flexible financing options. This will give you flexibility, value, and control over all your sofas and furniture on finance.

You can spread the cost of your purchase by paying monthly for 4 years with a Minimum Purchase of £500. We offer interest-free credit for 3 years on orders above £3,500. This makes our furniture even more affordable.

Questions about Finance

Questions about Finance

What types of credit options are you offering?

We offer either monthly payments for 48 Months or 24 or 36 Months Interest-Free Credit, depending on your order total.

Does credit application processing require a minimum order?

Yes. Credit is available only for orders over £500

How can I apply for credit?

Simply select the finance option that you need in the Payment Method section. You must use your full name, address and spelling correctly.

How can I apply to finance?

Our website allows you to apply for finance 24 hours a days, 7 days a semaine. The Finance Hotline is available from 8.00 am to 8.00 pm Monday through Tuesday, and 8.00am to 9.00pm on Wednesday and Thursday.

What next if my application gets approved?

Once your application has been approved, we will confirm that your order is confirmed. To sign the agreement, you will need to follow our easy and quick electronic signature process. One of our lenders will send you an email with clear and simple steps.

After your application has been approved by the finance lender, you will receive an email asking you to E-Sign all finance documentation. This will allow us to complete your order. The finance lender will email you asking you to E-Sign your financial documentation. This will allow us to finalize your order and arrange delivery within the specified lead times.

Are my personal details secure?

Our website employs the most recent 256-bit high-grade encryption technology to protect your data. Our shopping system is safe and secure.

What happens to my application if it isn’t approved?

Although we work with many lenders, approval of your finance application cannot be guaranteed. You have the option to choose another method of payment if our credit providers cannot approve your application. In the event that you are unable to pay a deposit, you will receive a refund.

Can I get finance?

To apply for financing, you will need to:

  • At least 18 years old
  • You must be employed for at least 16 hours per week, self employed, a homeowner, or receiving an invalidity/disability allowance.
  • Have been a UK resident for at least 3 years.
  • You will be able make direct debit payments.
  • If you have lived at the current address for less 3 years, you will be able to provide proof of your previous address.
  • You must have a debit or credit card in your name, registered to your address, and a current account with a bank/building society.

What information are you looking for from me?

We will need your personal contact information, your residence details, and bank details (including bank account number, sort code, and bank details) to make a decision about your credit application.

How can I make payments?

After you have received your furniture, your lender will be informed to activate your agreement. Your 1st payment date will be provided by the lender.

You must make regular payments by direct debit. However, you can make additional repayments by contacting your lender directly. Alternatively, you can call our customer finance team at 0800 112 4329 to get the details of your lender.

How long does it take for me to receive a decision about my application?

Most cases, your decision on application will be sent to you immediately. Sometimes, however, your application decision may take longer due to additional information from our lenders. We will keep you informed about your application.

Will I be delayed by applying for finance?

Once your finance agreement is signed and received by us, delivery arrangements will be made. Our e-sign system is quick and simple. We can then pass your order on to our delivery team so that delivery can be arranged as soon as possible.

What happens to my Direct Debit if it fails or I don’t make the payments on time?

Late payment fees or other charges can be payable. Please refer to your finance agreement to see the full details and T&Cs. We use a variety of finance lenders so fees and charges can vary. Oak Furnitureland Group is not responsible for any fees or charges.

What interest rate will I pay if I repay my loan early?

If you select the Pay Monthly option and want to repay in full once you have received your furniture, you should contact your lender. They will be able provide you with all details regarding any settlement amount including any interest.

Novuna PaybyFinance

Novuna personal finance loan option allows for easy payments of purchases at a fixed interest rate and without additional costs. For full payments on the same day, a representative rate of 0% will apply. You can spread the cost of decorating your property over several days instead of spending a lot of time. It’ll make it even more affordable.

Paypal Credit

PayPal Credit makes large purchases much easier. You can spread the cost if you spend more than £99.

How can I apply for PayPal Credit

  • Any product above £99 can be added to your basket
  • Checkout with Paypal Credit
  • You can submit the application through PayPal to receive an immediate decision.
Furniture financing options

Interest Free Finance

You won’t have to compromise your style with 0% APR Financing

6- or 12-Month Interest-Free Credit

Barclays offers interest-free credit 0 APR, financing for purchases of £300 and more. No deposit required! You can order your favorite items now and make monthly payments later.

Simple Monthly Payments

You can enjoy the convenience of monthly automatic payments without hidden fees or surprises. Before you confirm your payment plan you will see your monthly payment amount. This will let you know what you owe upfront.

Simple Monthly Payments

How it works

  • CheckoutAs usual, add your items to your basket and choose Barclays Partner Finance for your payment method.
  • Apply to Barclays OnlineThen, you will start your Barclays app on
  • Enjoy Your PurchaseAfter you have been approved by Barclays Partner Finance and signed your documents, we will process your order and send it out immediately — no waiting.