Your guide to interest free credit

We pride ourselves on knowing our payment options are the best you'll find. And now we're delighted to say that our interest free credit offer has been awarded Best Buy by Defaqto.

Awarded Best Buy by Defaqto

Defaqto is an independent financial research company who has independently rated the UK furniture market's Interest Free Credit finance deals. Their in-depth research looks at the key features and benefits of each deal, including: transparency; accessibility; flexibility; length of offer and initial and on-going cost.

The Best Buy rating is designed to help customers know which deal is the best on the market.

Flexible payments to suit

Whether you buy in store or online you can choose from a flexible range of repayment terms from 6 months all the way up to 4 years, all totally interest free with no deposit. If you would like to defer your first repayment date you can - there's no charge and repayments remain totally interest free. The price you see is always the price you pay.

If you decide to take advantage of our interest free credit, here's a quick guide to everything you'll need to know.

Take the Skill 3 seater sofa at £399

When we say:

  • No interest, that means you pay ………… £0
  • No deposit, that means you pay .………… £0
  • Nothing to pay for a year that means you pay ………………………… £0
  • Then 3 years interest free
    monthly payments of ………………
  • Total price you pay is still only ..…… £399

At DFS we do things differently, you decide...

How you want to pay

Want to pay for your sofa in less than 4 years? Not a problem. We give you the flexibility of having a totally interest free loan over 12, 18, 24, 30, 36, 42 or 48 months. See a breakdown of how affordable our 4 years interest free credit is.

When you want to pay

That is very much up to you. You can start your repayments 1 month after your sofa delivery or pay nothing for a year then take 3 years interest free credit.

Other ways to pay

If you would prefer not to take up the interest free credit offer you can pay by cash, debit and all major credit cards. Simply leave a small 10% deposit and then pay the balance prior to delivery.

See how affordable our plan can be...

With 0% finance available and no deposit on everything you can be reassured we always aim to work out the best deal for you.

Find out how much you can afford using our handy interest free credit calculator

Before we begin, what is the total cost of your chosen furniture?

Choose a deposit amount

You may want to reduce your monthly payments by paying a deposit

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Your deposit
Choose a repayment amount (months)
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Total monthly payments
When you're buying your sofa

When you're buying your sofa

One of our Sales Advisors in store or on the telephone will take you through the Interest Free credit application process. You will be applying for a personal loan so we will need to ask you some questions about yourself. You will need to have a bank account that supports direct debits, and if you are going in to one of our stores we will need to see your ID, a debit/credit card or driving licence is most commonly used.

After you've placed your order

Leave the rest to us … we work with a select group of finance companies and will send your application to one of them who will carry out a credit check and advise us of their decision. If the first provider decides not to accept your application, don't worry we will try a second provider on exactly the same interest free credit terms.

If you order in store you'll get a text message letting you know that your application has been accepted.

If you order online you'll get a text message letting you know that your application has been accepted and then receive your documents through the post. Please check them straight away and if correct sign and return them to us in the envelope provided.

If your application is declined, unfortunately we won't know the reason why, but will always work with you to talk through other options of paying for your new furniture.