Your guide to interest free credit - 0% APR

See how affordable our plan can be...

Whether you buy in store or online we have flexible payment terms to suit you.
There's no set up fee, repayments remain totally interest free and the price you see is always the price you pay.

0%APR

pay nothing until Easter 2019

Take a 3 seater
sofa for example

£399

When we say:

No interest,
that means you pay

£0

No deposit,
that means you pay

£0

Nothing to pay
until Easter 2019
,
that means you pay

£0

Then 3 years interest free
monthly payments of £11.08

Total price you
pay is still only

£399

4 years interest free credit 0% APR

At DFS we have a large range of repayment options, there is sure to be one that suits you. Find out the repayment option using our handy interest free credit calculator

finance calculator
£

Choose your budget

What is the total cost of your chosen furniture?

Update
£

Choose your deposit

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

Update

Choose a repayment amount (months)

Amount of Finance

£0.00

Deposit

£0.00

Number of repayments

12

APR

0%

interest

£0.00

Monthly repayment

£0.00

Total to repay

£0.00

Any questions regarding finance, speak to a personal shopper free 24 hours 0800 110 5000

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

How you want to pay

You have the flexibility of a totally interest free loan over anything from 6 - 48 months.

When you want to pay

You can choose to pay nothing until Easter 2019 or nothing for 6 months then take up to 3 years interest free credit.

Other ways to pay

You can pay by cash, debit or credit card.  Simply leave a 10% deposit and the balance is payable prior to delivery.


4 years interest free credit 0% APR

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. [read more]

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. [read less]

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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. [read more]

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

[read less]

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When do my payments start?

That is very much up to you! You can start to pay one month from your delivery day, pay nothing for 6 months, or pay nothing until Easter 2019 then take up to
3 years interest free credit. [read more]

No. of interest free payments Starting 1 month after delivery of your furniture Pay nothing for 6 months Pay nothing until Easter 2019
6
12
18
24
30
36
42
48

[read less]

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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 10% deposit and then pay the balance prior to delivery.


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 panel of providers on your behalf.

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 or by email. 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.