to interest free credit - 0% APR
to interest free credit - 0% APRSee how affordable our plan can be...
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. Find out the repayment option using our handy interest free credit calculator
Choose your budget
What is the total cost of your chosen furniture?
Choose your deposit
You may want to reduce your monthly payments by paying a deposit
Choose a repayment amount (months)
Amount of Finance
£0.00Deposit
£0.00Number of repayments
12APR
0%interest
£0.00Monthly repayment
£0.00Total to repay
£0.00Any 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
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 6, 12, 18, 24, 30, 36, 42 or 48 months.
When you want to pay
That is very much up to you. You can start your repayments 1 month after your sofa delivery, pay nothing for 6 months, or pay nothing until January 2019 then take up to 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 a breakdown of how affordable our 4 years interest free credit is.
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, pay nothing for 6 months, or pay nothing until January 2019 then take up to 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 until January 2019 |
|---|---|---|---|
| 6 | ✔ | ✔ | ✔ |
| 12 | ✔ | ✔ | ✔ |
| 18 | ✔ | ✔ | ✔ |
| 24 | ✔ | ✔ | ✔ |
| 30 | ✔ | ✔ | ✔ |
| 36 | ✔ | ✔ | ✔ |
| 42 | ✔ | ✔ | |
| 48 | ✔ |
Credit is provided by external finance companies as determined by DFS. Credit is subject to acceptance.
Credit ready reckoner
Are you 18 or over?
Are you a UK resident?
Do you have a regular income?
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 24 hours 0800 110 5000
> We’ll call you. Request a call back
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.
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 another provider on exactly the same interest free credit terms.
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.
