Interest Free Credit – Sofa, Beds and Furniture Finance Options

Time to shop! Whether you’re after a plush fabric sofa, a comfortable king-size bed, or a sleek glass dining table, everything at DFS can be added to an interest-free credit plan.

Use our quick and simple interest free credit eligibility checker to see if you’re likely to be approved for interest free credit and how much you could borrow – without impacting your credit score. Just tell us how much you’d like to borrow, enter some personal details, and discover whether you’re likely to be approved.

You can find our interest free credit eligibility checker on each product page, just above the ‘Add to basket’ button.

No deposit? Payments starting in a year? A shorter repayment term? Whatever works for you! Our sales team will walk you through all the options to create a plan that suits your budget.

We offer interest-free credit plans for all orders, whether you order online, in-store or over the phone - although please note that our “buy now, pay nothing for a year” option is only available online and in store.

We handle everything! Once you apply, we’ll send your details to our trusted finance providers, who will conduct a credit check. If one provider declines your application, we’ll try with another from our select panel.

If your application is declined, we won’t know the reason - but we’re always happy to help you explore other ways to pay.

The wait is over! Once approved, you’ll get a text confirmation. We’ll send your finance documents to you by email or through the post for your records.

Now, we get to work! Whether it’s a made-to-order sofa or a handcrafted dining table, we’ll provide an estimated lead time when you order. All you have to do is sit back and relax while we create your new furniture.

Please note that your estimated delivery time is based on the date we receive your signed credit agreement, rather than the date you place your order.

Once your furniture is ready, we’ll arrange a delivery date that works for you. Our team will deliver your order to the room of your choice, assemble any sofas, and remove all packaging – so you can enjoy your new space right away.

Your payments start based on your chosen plan. You can either begin payments one month after delivery or opt for our "buy now, pay later" option, where payments start one year from the order date.

Yes! You can order now, pay nothing for a year, and then take up to three years to pay with interest-free credit. Please note that this option is only available in-store and over the phone.

All DFS furniture qualifies! Whether you need sofa finance, bed finance, or dining table finance, everything in our range can be added to an interest-free plan.

Interest free credit is available for personal use only, with a maximum value of £25,000.

Not if you don’t want to! If you do choose to pay a deposit, it can help reduce your monthly payments - but not paying a deposit will never affect the total price you pay.

When our sofa finance providers carry out their initial checks, they perform a soft credit check, which won't affect your credit score. This initial soft check gives our lenders a good idea of whether they will be able to lend to you, without having any impact on your credit score.

However, as with all finance agreements, when you complete the full application for an interest free credit plan, the sofa finance provider will then perform a hard credit check, which will show up on your credit report, and can affect your credit score - whether your application is approved or not.

None at all! No deposit (unless you choose), no setup fees, and completely interest-free payments. You’ll never pay more than the original cash price.

Your payments start when you want them to. You can choose to start paying one month from your delivery day, or pay nothing for a year* and then take up to three years of interest free credit. If you choose to pay nothing for a year, then your first payment date will be one year from the date you place your order. The exact date will be shown on your credit agreement, should you ever need to refer back to it.

(Please note your payments will start when at least 50% of your order value has been delivered.)

No problem! You can pay by cash, debit card, or credit card instead. Simply leave a 10% deposit when you order and pay the balance before delivery.