Your guide to interest free credit - 0% APR and no deposit
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, no deposit, repayments remain totally interest free and the price you see is always the price you pay.
At DFS we do things differently, you decide...
0% interest offer
Based on a purchase price of £0.00 the following 0% interest instalment plans are availableMonthly repayments
Have questions regarding finance?
Call us now on 0800 110 5000(available 24 hours)
How you want to pay
You have the flexibility of a totally interest free loan over anything from 6 - 48 months with no deposit.
When you want to pay
You can choose to pay nothing for a year then take up to 3 years interest free credit or start your payment one month after delivery.
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. 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 you can be reassured we always aim to work out the right 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 |
|---|---|---|---|
| £500 | 0 | 0 | £10.41 |
| £1000 | 0 | 0 | £20.83 |
| £1500 | 0 | 0 | £31.25 |
| £2000 | 0 | 0 | £41.66 |
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 up to 3 years interest free credit. * If you choose to Pay nothing for a year your first payment date will be one year from the date you order. The exact date will be shown on your credit agreement' (Please note your payments will start when at least 50% of your order value has been delivered).
| No. of interest free payments | Starting 1 month after delivery of your furniture | Pay nothing for 6 months | Pay nothing for a year |
|---|---|---|---|
| 6 | yes | yes | yes |
| 12 | yes | yes | yes |
| 18 | yes | yes | yes |
| 24 | yes | yes | yes |
| 30 | yes | yes | yes |
| 36 | yes | yes | yes |
| 42 | yes | yes | |
| 48 | yes |
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, we will send it to other finance companies on our panel.
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 email
If you order in store
You’ll get a text message letting you know that your application has been accepted.
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.
*Pay nothing for a year is available in store and via web sales only.
Customer service
