Free Delivery Easy Returns 0% Finance Available £20 Off any order over £100

Spread the Cost

Here at Furniture123 we have finance options to suit any budget. Discover more about our finance options by clicking the buttons below:

Pay over 6 months

Why pay it all upfront, when you can pay in 6 easy monthly payments?


How much will I pay?

This is an easy and simple was of spreading the cost over 6 months. After making an initial 6% fee payment you will then make 6 equal monthly payments. NOTE: When calculating the 6% fee, the amount you pay may be slightly more than 6% as the figure is adjusted to give rounded loan amounts.

You can see details of each of the finance options on the product pages, just click the link under the price.


How does it work?

  • 1. Browse our site

    Start your shopping journey as normal, browse our site for the best deal and add the items you want straight to your basket. If your order is £200 and above you’ll qualify for our Pay Over 6 Months policy.

  • 2. Go to Checkout

    Start the checkout and once you get to the payment section select ‘finance’. You’ll need to enter your card details for the 6% fee, but don’t worry, we won’t take this until the agreement is approved and completed. Please note: Credit is provided subject to status to UK residents aged 18 and over. Delivery is to your billing address only.

  • 3. The Application

    Once you’ve selected Pay Over 6 Months and filled in your card details you’ll be taken to the crediting company V12 to complete their straight forward application process.

  • 4. Approval and Completion

    You’ll receive an instant answer if you have been approved for this finance option. With our new paperless forms if you have been successful you will be prompted to eSign your application form. Once your credit agreement is complete we will be able to despatch your goods to the agreed delivery period.

0% Interest logo

Pay over 9 months with Interest Free Credit

An easy way to spread the cost interest free over 10 months. Spend over £450 in one order and you can choose to pay just 10% today and the rest over 9 months - no fees - totally 0%.


How much will I pay?

This is an easy and simple was of spreading the cost over 9 months. Spend over £450 in one order and you can chose Interest- Free Credit. You will then pay just 10% today and the rest over 9 months - no fees - totally 0%.

You can see details of each of the finance options on the product pages, just click the link under the price.


How does it work?

  • 1. Browse our huge range of products

    Start your shopping journey as normal, browse our site for the best deal and add the items you want straight to your basket. If your order is over £450 you’ll qualify for Interest-Free Credit.

  • 2. Go to Checkout

    Start the checkout and once you get to the payment section select ‘finance’. You’ll need to enter your card details to pay the first 10%, but don’t worry we won’t take this until the agreement is approved and completed.

  • 3. The Application

    Once you've selected Interest Free Credit option and filled in your card details you’ll be taken to the crediting company pay later to complete their straight forward application process.

  • 4. Approval and completion

    You’ll receive an instant answer if you have been approved for this finance option. With our new paperless forms if you have been successful you will be prompted to eSign your application form. Once your credit agreement is complete we will be able to despatch your goods to the agreed delivery period.