0%APR
pay nothing
for a year
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
for a year*,
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
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
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 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. [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]
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. [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]
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 that if your order includes items with varied lead times your payments will start when the first piece is delivered). [read more]
| No. of interest free payments | Starting 1 month after delivery of your furniture | Pay nothing for 6 months | Pay nothing for a year |
|---|---|---|---|
| 6 | ✔ | ✔ | ✔ |
| 12 | ✔ | ✔ | ✔ |
| 18 | ✔ | ✔ | ✔ |
| 24 | ✔ | ✔ | ✔ |
| 30 | ✔ | ✔ | ✔ |
| 36 | ✔ | ✔ | ✔ |
| 42 | ✔ | ✔ | |
| 48 | ✔ |
[read less]
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 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.
*Pay nothing for a year is available in store and via web sales only.