COVID-19 UPDATE: We are currently delivering and our complimentary assembly service has now resumed.
COVID-19 UPDATE: We are currently delivering and our complimentary assembly service has now resumed.

Sofas on Finance - Pay Monthly or Weekly

At Sofa Club, we make financing your sofas easy so that you can enjoy yours without having to wait until you have the full amount in hand.

You can make interest free monthly payments over the course of 2 - 12 months at your convenience.

Shop our range of sofas now

Benefits of interest free credit

Wondering about whether to buy, using interest free credit? Interest free payment could be the smarter way to pay. We offer a variety of repayment plans to suit your budget. From 2 to 12 months - it’s flexible and always interest free. 


Spread the cost by paying in monthly instalments

Spread the cost of your order easily in monthly instalments between 2 and 12 months (this can also be broken down into weekly payments - we show you how in the FAQ's).

Finance on sofas doesn't have to be made difficult or more expensive. At Sofa Club, we made sure to offer interest free credit to help add to your buying convenience without any extra expense to your order.

Fixed monthly repayments

Your monthly payments are fixed at the same amount for the term of your agreement (up to 12 months).

You choose the length of the term with a schedule that suits you.

Choose a repayment period to suit your needs

Choose a repayment period to suit your finances and order size.

Whether you buy one sofa or a complete set, you can choose your sofas finance schedule on almost all of our products.

Quick & easy application

With an instant decision and a 60 second application, you can spread the cost of your order in a few simple steps.

We may accept people with bad credit. Our pay now buy later sofas couldn't be more convenient.

There’s no APR to pay

Every order is entirely interest free, no matter the basket value or term length.

Whether you purchase corner sofas on finance, or an entire furniture range for your living room, it'll always be 0% interest free credit.

No early repayment charges

The recurring card payments are collected monthly until your balance is paid but you can make additional payments.

We finance sofas to make your life easier, not more difficult. If it suits you better to clear the payments faster or you have some extra cash laying around one month, you can make additional payments without penalties.  

How to apply?

Simply select "DivideBuy" at the payment section at the checkout! You will be directed to DivideBuy's website which will outline all payment details and take you through your finance application and credit agreement. Contact customer service if you run into any problems with applying.



Can I get a sofa on finance with bad credit?

Finance is offered to UK residents with bad credit but it depends on each case.

You'll be given an option to get your finance application pre-approved before you put your order in to the shopping basket - the benefit of this is that this pre-approval check doesn't affect your credit rating!

Shop now and you'll see the "get pre-approved" link on each of our sofa pages - click there to see if you can get credit.


Do you have a representative example of a sofa on interest free credit?

Product cash price: £899

Deposit: £0

Total amount of credit: £899

Annual rate of interest: 0% fixed

Duration of the agreement: 3, 6, 9 or 12 monthly payments

3 payments of £299.67

or 6 payments of £149.83

or 9 payments of £99.89

or 12 payments of £74.92

Representative APR 0 %

Total amount repayable: £899


Do you offer pay weekly sofas?

While all of our finance options are on a monthly schedule, you can create a pay weekly schedule on your own terms outside of that.

For example, if you choose SplitIt as your payment method during order checkout, you have the option of 0% interest monthly installments over your chosen period of time. This option is a finance agreement that uses your credit card to pay the installments.

You can then set up a standing order from your bank account or debit card for money to go into your credit card on a weekly basis, which then pays your sofa at the end of the month.

That's one way to break down your monthly schedule further into a weekly payment while still keeping it interest free.

We use cookies to optimise site functionality and enhance your experience. By continuing you agree to our Cookie & Privacy policy ×
More info Accept Cookies