4 years interest free credit
0% APR representative

At DFS we have a massive range of repayment options, there is sure to be one that suits you.

No interest or deposit

  • With our famous 4 years free credit, buying your sofa has never been easier.
  • At DFS 4 years credit means you pay no interest on whatever you choose.
  • We don't even ask for a deposit - but if you prefer to reduce your payments you
    can pay a deposit - it's your choice

See how affordable our plan can be...

With 0% finance available and no deposit on everything we sell you can be reassured we always aim to work out the best deal for you. The examples below show how affordable your next purchase could be ...

Sofa price No deposit ever No interest ever 48 monthly
payments of
Total price
£500 £0 £0 £10.41 £500
£1000 £0 £0 £20.83 £1000
£1500 £0 £0 £31.25 £1500
£2000 £0 £0 £41.66 £2000

When do my payments start?

That is very much up to you! You can start to pay one month from your delivery day or
pay nothing for a year then take 3 years interest free credit.

No. of interest
free payments
Starting 1 month after
delivery of your furniture
Pay nothing for
6 months
Pay nothing for
a year

Credit is provided by external finance companies as determined by DFS. Credit is subject to acceptance.

What if I don't want interest free credit?

No problem - if you would prefer not to take up the interest free credit offer you can pay by cash, debit or credit card - simply leave a small 10% deposit and then pay the balance prior to delivery.

Need some advice?

Live online video or text chat 8:00am until 10:00pm Mon-Fri. Find out more

Credit ready reckoner

  1. Are you 18 or over?
  2. Are you a UK resident?
  3. Do you have a regular income?
  4. Do you have a bank account that accepts direct debits?

If you answered no to one of the above, don't worry we still might be able to help you - contact one of our trained UK-based personal shoppers.

Call free 24hrs 0800 110 5000