We have plenty of sofas available for Christmas delivery, choose your delivery date at the checkout!
We have plenty of sofas available for Christmas delivery, choose your delivery date at the checkout!

Finance Options

Looking to spread the cost of your dream sofa to make your house a home? At Sofa Club we offer finance that allows you to spread the cost easily over terms that suit you. Our finance options are available in-store and online, on orders over £600. Pay just a 10% deposit today to complete your order. 

Interest-free finance: 

Spread the cost over 1 year with 0% interest on all orders with a minimum value of £600. With only a 10% minimum deposit required at the time of purchase.  

Longer-term finance:

If you're looking for the lowest monthly repayments so your dream sofa doesn't get in the way of your finances, then choose from one of our 9.9% APR finance plans. 

Our interest bearing finance can be taken out over 24 & 48 months on orders with a minimum value of £600. Choosing this option will offer you the most affordable monthly payments. Use our online finance calculator to work out your monthly payments. 

How does it work? 

Applying for finance is quick and simple with our finance provider V12, just follow these simple steps:

Step 1: Once you’ve decided on which items you wish to purchase, select these into your basket and check out as normal.

Step 2: Click apply for finance and then order now, this will direct you to the finance application with V12. 

Step 3: Our finance provider will then ask for the following details:  

Step 4: After filling in your details our finance partners V12 Retail Finance will direct you, to complete the order, credit agreement and pay your deposit. Once accepted, you’ll receive a confirmation email within 24 hours. 

Please be aware that any finance offer is subject to acceptance by V12 Retail Finance. If you have been successful, you will be asked to ‘esign’ your agreement online and your order can then go through. If your credit application is declined, you will receive notification via email from our credit partner, V12 Finance, with further instruction on how to dispute the decision

All you need to start spreading the cost? 

Over 18

UK Resident

Employment status

Pay the deposit

Not over committed

Try our finance calculator to see what your monthly payments would be:


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APR 9.9%

Credit Provided By A Leading Provider

You can spread the cost with confidence knowing that your finance agreement is provided by one of the nation’s leading finance providers V12 Finance.

Sofa Club Limited acts as a credit broker and not a lender who offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Sofa Club Limited is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 652661. Credit provided is subject to status and affordability.

V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

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