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Finance

Your guide to interest free credit - from the experts at DFS

Your guide to interest free credit

We're proud to say our payment options are the best you'll find. Whether you buy in store or online you can choose from a flexible range of repayment terms from 6 months all the way up to 3 years, all totally interest free with no deposit. If you would like to defer your first repayment date you can, there is no charge and the repayments that follow are again totally interest free. The price you see is always the price you pay.

If you decide to take advantage of our interest free credit, here's a quick guide to everything you will need to know.

At DFS we do things differently, you decide...

How you want to pay

Want to pay for your sofa in less than 3 years? Not a problem. We give you the flexibility of having a totally interest free loan over 6, 12, 18, 24, 30 or 36 months.

When you want to pay

That is very much up to you. You can start your repayments 1 month after your sofa delivery and then take 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 how affordable our plan can be...

With 0% finance available and no deposit on everything er well you can be reassured we always aim to work out the best deal for you.

Find out how much you can afford using our handy interest free credit calculator

Before we begin, what is the total cost of your chosen furniture?

Choose a deposit amount

You may want to reduce your monthly payments by paying a deposit

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Your deposit
Choose a repayment amount (months)
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Total monthly payments
When you're buying your sofa

When you're buying your sofa

One of our Sale 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 photo ID, a passport or photo driving license is most commonly used.

After you've placed your order

Leave the rest to us… we work with an external finance company and will send your application to them who will carry out a credit check and advise us of their decision.

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 will receive your documents through the post. Please check them straight away and if correct sign and return them to us in the envelope provided

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.

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