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Interest Free Credit – Sofa, Beds and Furniture Finance Options

You’ve found your dream sofa, bed or dining table – so why wait to purchase it? Our interest free credit options can help you spread the cost with affordable pay monthly payments on sofas, beds and furniture from DFS. There’s no catch – no set up fee, no deposit required, and interest free repayments.

Just like how we offer a wide range of pay monthly sofas and furniture – we also offer a wide range of finance payment options, so you can create the perfect payment plan for you.

zero deposit zero interest IFC

That’s right. Nothing. Nil. Nada. Zero. Zilch. No one enjoys paying interest. So don’t. Pay over anything from 6 months, up to 3 years, with zero interest. Of course, if you prefer, you can pay a deposit and reduce your monthly payments. Up to you. You choose.

choose your payment terms IFC

Everyone’s different. So we let you choose how much to pay on the first day (if any). Then choose how long you want to borrow for. Plus - you can pay it all off at any time before then, if that suits. Our thing is making payments flexible.

intelligent lending platform IFC

No fuss. No jargon. You don’t even have to have your ID with you. Our sofa finance application process is really quick and easy. In fact, the whole thing takes approximately 15 minutes.

Choose your budget

What is the total cost of your chosen furniture?


How our Sofa and Furniture Finance Works

It’s time to go shopping! Whether it’s a new 3 piece suite, a new bed and mattress, or anything else in our range - all DFS furniture can be included in your interest free credit plan.

Don’t want to pay a deposit? Want your payments to start a year from now? Rather pay your plan off sooner? How you pay is up to you - our sales team will explore all the options when you place your order, so you can choose the one that’s just right for you.

We offer interest free credit plans for all orders, whether you order online, in store or over the phone - although please note that our “buy now, pay nothing for a year” option is available online and in store.

Leave the hard work to us! We’ll send your application to one of our select finance providers, 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 send it on to other finance companies on our panel.

If your application is declined, unfortunately, we won’t know the reason why - but will always work with you to explore other options for paying for your new furniture.

Great news - the waiting is over! As soon as your application is approved, you’ll receive a text to let you know. We’ll send your documents through the post or via email, so you have a copy to refer to any time.

It’s time for us to start working on your furniture! Whether you’re waiting on a made-to-order sofa suite, or a stylish dining table, they all have different lead times - you’ll be advised how long yours should take when you place your order. All you have to do is sit back and relax!

When it’s time to deliver your furniture, our team will contact you to arrange a delivery date convenient for you. On delivery day, we’ll deliver your furniture to the room of your choice - and if you’ve ordered a sofa, our team will also assemble it for you. Don’t forget to clear the way, so our delivery partners have plenty of space to manoeuvre! Our team will also remove all packaging, leaving your home tidy so you can enjoy your new furniture.

Depending on what you decided when you ordered your furniture, your payments will begin one month from delivery, or one year from the date you placed your order.

Interest free credit buy now pay next year

Interest Free Credit FAQs

Of course! If you’d prefer, you can order now, pay nothing for a year, and then take up to 2 years interest free credit. Your payments will begin one year from the date you placed your order. Please note this option is available on in store and online orders only.

Looking for sofa finance? Bed finance? Dining table finance? We’ve got all those covered, and more - everything for sale at DFS can be added to an interest free credit plan.

Not if you don’t want to! Some customers prefer to pay a deposit when they place their order to further reduce monthly payments - but you don’t have to, and not paying a deposit won’t affect the total price you pay.

When our sofa finance providers carry out their initial checks, they perform a soft credit check, which won't affect your credit score. This initial soft check gives our lenders a good idea of whether they will be able to lend to you, without having any impact on your credit score. However, as with all finance agreements, when you complete the full application for an interest free credit plan, the sofa finance provider will then perform a hard credit check, which will show up on your credit report, and can affect your credit score - whether your application is approved or not.

Absolutely not! There’s no set up fees, no deposit (unless you decide to pay one), and all payments remain totally interest free. Our sofa and bed finance plans mean won’t pay any more for your furniture than if you had paid with cash when you placed your order.

Your payments start when you want them to. You can choose to start paying one month from your delivery day, or pay nothing for a year* and then take up to 2 years interest free credit. If you choose to pay nothing for a year, then your first payment date will be one year from the date you place your order. The exact date will be shown on your credit agreement, should you ever need to refer back to it.

(Please note your payments will start when at least 50% of your order value has been delivered).

No problem! If interest free credit isn’t for you, you can also pay by cash, debit or credit card - simply leave a 10% deposit when you place your order, and pay the balance prior to delivery.

Contact Us Live Call

Get in touch

Have questions about interest free credit?

Our friendly advisors would be happy to chat through the options and help you decide what’s best for you.

Call us any time on 0800 110 5000 - we’re available between 8am and 11pm, 7 days a week.

DFS Trading Limited is authorised and regulated by the Financial Conduct Authority in relation to credit broking.

*Pay nothing for a year is available in store and via web sales only.

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