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Call us on 01200 444488

Finance options

Pay 4 Later Fast and secure instant credit. Apply online and complete your purchase in just a few minutes. Simply spend £1000 or more and choose to apply for finance on checkout. Complete your paperless application today!

We offer various credit options on specific product ranges, including up to 2 years interest free credit. 

Call us on 01200 444488 for more information.

Credit options are also available in store.

Credit is provided by an external finance company and Credit is subject to acceptance. Credit is only available on orders totaling a value of £1000 and over.

You must be aged 18 or over and employed at least 16 hours per week, have a good credit history - no late payments, debt relief orders, CCJ's, IVA's or bankruptcies, be a permanent UK resident and be able to supply a UK address history for the last three years.

"Buy Now - Pay Later"

Our Buy-Now-Pay-Later credit option offers another flexible way to buy online.

You can buy your furniture today and then pay for it in 12 months time- we may ask for a 10% deposit. You can settle the outstanding balance in full at any time within the 12 month period without incurring any interest or penalty.

The initial 12 month period is completely interest and penalty free. After the 12 month period, if you chose not to pay off the outstanding balance, your balance is transferred to a further 4 year finance plan with a fixed rate of 19.9% APR. Please note that this method of finance is only available over the telephone.

What if I don't want credit or finance?

No problem - if you would prefer not to take up the interest free credit offer you can pay by debit card or by most major credit cards online or by phone by calling us on: 01200 444488

Payments made by cash are only permitted in-store.  Please note that we no longer accept personal cheques in store

When do my payments start?

Your finance payments start the month after you have taken delivery of your order.

For the Buy Now - Pay Later finance option, you are sent a reminder around 8 weeks prior to the settlement date by the finance company, although the onus is still with you to remember to pay the balance before the 12 month interest free period expires. To settle the finance you must contact the finance company directly. The contact details of the finance company are sent to you upon approval of your credit application.

Can I pay the balance of my credit early?

Yes, with any of our finance options you can pay off the remaining credit at any time during the period of the loan without any penalties.

* Certain items (eg Sale items, Greenhouses, HSP Garden Buildings) are excluded from the Interest Free Finance payment method- please contact us for details"

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