Your guide to interest free credit - 0% APR

See how affordable our plan can be...

3 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

finance 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




Number of repayments






Monthly repayment


Total to repay


Any questions regarding finance, speak to a personal shopper free 24 hours 1800 535 580

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 12, 18, 24, 30 or 36 months.

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 3 years interest free credit is.

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 driving licence or passport is most commonly used.

Every sofa comes with a 15 year guarantee

After you’ve placed your order

Leave the rest to us … we will send your application to our finance provider 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'll get a text message letting you know that your application has been accepted and then 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.