interest free credit 1interest free credit 2

Interest free credit - making your dream furniture more affordable. In partnership with


You’ve found your dream sofa, bed or dining table - so why wait to purchase it? DFS partners with humm to provide interest free credit options that can help you spread the cost, with affordable monthly payments. There’s no catch - no set up fee, interest free repayments, and the great humm service loved by millions of customers.

Just like how you can choose from a wide range of sofas and furniture - you can also choose from a range of payment options, so you can create the perfect payment plan to suit you.

Read more
c088 column image
c088 column image

Choose your budget

What is the total cost of your chosen furniture?

0% APR interest free offer

Based on a purchase price of €0.00 the following 0% APR interest free instalment plans are available.

Choose a deposit

Monthly repayments
Have questions regarding finance?

Call us now on 1800 535 580(available 8am - 11pm)

This calculator provides an indicative cost only. You will need to select your repayment term while completing your humm application.

How it works

It’s time to go shopping! Whether it’s a new 3 piece suite, a new bed and mattress, or a stunning dining set - the option of paying with humm interest free credit is available on all our furniture; you’ll just need to spend a minimum of €500 across your entire order.

Prefer smaller monthly payments over a longer period? Rather pay your plan off sooner? How you pay is up to you - our sales team can help with any questions you might have about your humm credit application, so that you can choose the option that’s right for you.

Great news! You can use your pre-approved credit limit - simply redeem it through the unique humm link you receive after placing your order with DFS.

In partnership with humm, we offer interest free credit plans for all orders, whether you order online, in store or over the phone. For online orders, you’ll be able to select humm interest free credit as an option during the checkout process, and for orders placed in store or over the phone, simply let our salesperson know you’d like to pay using humm interest free credit.

If you choose to pay for your DFS order using interest free credit, after placing your order with DFS you will be sent a link by humm to complete your credit application. You’ll need to complete and submit this application in full before your DFS order can progress any further. humm terms and conditions apply.

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 humm application is approved, you’ll receive a text to let you know. Humm will provide you with a copy of your documents to refer to at any time.

Your first monthly payment will be taken as part of the finance application process with humm. Then, you can select the date you’d like all your following payments to be taken.

Please be advised: if you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

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.

humm finance

Interest Free Credit FAQs

Yes, if you choose to pay via interest free credit at DFS, humm will undertake a search of your credit history through the Central Credit Register. At this time the Central Credit Register keeps a record of your existing and historical credit - like the number of loans and credit cards you have, their outstanding balances, and if you have ever missed any payments. This information will be used by humm to determine whether to approve your application, based on their own lending policies. The search will be registered on your credit record.

Yes, applying to pay for your order using humm interest free credit is an option on all DFS orders of €500 and above.

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 a humm interest free credit plan, as long as your order exceeds the minimum order threshold of €500.

You’ll need to fulfil the following criteria to be eligible to apply for interest free credit through humm:

  • Be over 18 years of age
  • Earn a minimum taxable income of €1500 per month
  • Be an Irish citizen or permanent resident of Ireland
  • A current credit/debit card and a photo ID
  • An Irish mobile phone number
  • A valid email address
  • Proof of PPS number and address
  • A good credit history

While you don’t need to pay a deposit on your order, you will need to pay your first monthly instalment as part of completing your humm finance application. Some customers prefer to pay an additional up front deposit when they place their order to further reduce their monthly humm payments - but you don’t have to, and not paying a deposit up front won’t affect the total price you pay.

Absolutely not! There’s no set up fees and all payments remain totally interest free. Humm finance plans mean you won’t pay any more for your furniture than if you had paid with cash when you placed your order.

Your first monthly payment will be taken when you complete your finance application with humm. Then you can select the date you’d like all your following payments to be taken. Humm will send you a reminder message 2 days before your monthly payment is due.

Yes, you can pay off part or all of the finance early at any time, by accessing the “make a one-off payment” option on the humm customer portal. You can do this as many times as you like. There are no penalties for paying your interest free credit agreement off early, and you would not be charged any interest.

The decision to offer you an interest free credit plan is not made by DFS, and approval is not always guaranteed. Having a good credit score will increase your chances of approval. In the unlikely event that you are declined, DFS would not be advised of the reason. You would be provided with the contact details for the Central Credit Register (CCR) where they can advise further on this.

No problem! If interest free credit isn’t for you, you can also pay for your DFS order with 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

Still got questions about sofa finance?

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 1800 535 580 - we’re available 8am - 11pm.

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