Interest Free - Furniture Finance

Flexible Payments, Zero Stress

Looking to spread the cost of your purchase? Now you’ve chosen your dream furniture item why not spread the cost with one of our simple finance options. We offer both 0% APR and 9.9% Representative finance options on any orders over £500, making life that little bit easier.

0% Interest Free Credit

  • Our 0% APR finance option will mean you’ll pay no more than if you were to pay the full amount in one go. Instead, you can spread payments over 24 months.
  • To be eligible for 0% APR finance, we offer 3 simple finance options help you spread the cost of your purchases. your basket value must be over £1200+ (12 Months) / over £1,950+ (18 Months) or over £2,230+ (24 Months)
  • All you need to pay is a minimum 10% deposit by debit or credit card
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0% Interest Free Credit - Requirements

  • You must be 18 years of age or over
  • You have lived in the UK as a resident for at least 12+ months and will continue to do so
  • Work 16+ hours a week/be retired with an income
  • Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

The table below shows you how much the monthly repayments will be based on the total order value.

Order Value Term (Months) Term (Months) Monthly Payments
£1,200 12 £120 £90
£1,950 18 £195 £97.50
£2,230 24 £223 £83.62

Try our calculator for an example of your options, enter your total order value and how much deposit you want to pay – minimum of 10%.

Finance calculator

Interest Bearing Finance

  • Our Interest bearing option with 9.9% APR representative will mean you’ll pay very little interest added to the total amount. But you can spread payments for up to 60 months.
  • To be eligible for 9.9% APR finance, we offer 3 simple finance options help you spread the cost of your purchases. your basket value must be over £280+ (36 Months, 48 Months & 60 Months)
  • All you need to pay is a minimum 10% deposit by debit or credit card

The table below shows you how much the monthly repayments will be based on the total order value

Order Value Term (Months) Deposit (10%) Monthly Payments
£280 36 £28 £8.07
£700 £700 £70 £15.83
£1,200 60 £120 £22.68

9.9% APR Representative example:

Cash Price £700 - Deposit £70 - Loan Amount £630 - APR Representative 9.9% - Interest Rate 9.9% p.a. fixed - 36 Monthly Repayments of £20.18 - Total term of loan agreement 36 months - Total Amount Payable £796.48

Note: Ncf furnishings Ltd trading as Ncf Living are a credit broker, not a lender. Authorised and regulated by the Financial Conduct Authority. The credit advertised is provided by an external credit provider; Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk