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Furniture on Finance


Looking to revamp your space? We've got you covered with our accessible financing options for furniture orders over £300.

No need for a deposit - get started straight away!

We offer a variety of finance plans to help you distribute the cost of your new furniture more conveniently:

Interest-Free Finance (0% APR): Enjoy 6, 9, 12, 18 or 24 months of interest-free payments.

Classic Credit (14.9% APR Representative): Extend your payment period with our 24, 36, 48, or 60-month plans.

Furnishing your dream home has never been easier!



Eligibility Checklist for Financing:

Before you apply, make sure you meet the following requirements:

Age: You must be at least 18 years old.

Employment: You should be in permanent paid employment (over 16 hours per week), retired and receiving a pension, receiving a disability benefit, or self-employed.

Residency: You have been a resident in the UK for at least three years and plan to continue residing in the UK.

Debit or Credit Card: You should have a debit or credit card registered in your name and to your address. This is necessary for identity verification.

Bank Account: You need to have a current account with a Bank or Building Society. This is required to complete the direct debit instruction.

Steps to Apply for Furniture Financing:

Selection: Add your desired items to the basket and proceed to the checkout.

Checkout: Fill in all necessary details at the checkout page.

Payment Method: Select 'Apply for 0% APR Finance with V12 Finance' as your payment method.

Confirm Order: Click on 'confirm order'.

Finance Option: Choose your preferred credit option and click on 'Apply now'.

Application: Complete the finance application form. You'll receive a decision on your screen within 5 minutes.

Order Confirmation and Application Status:

Upon placing your order, you will receive a confirmation email from us.

If your application is referred, please allow up to 10 minutes for a decision. In some cases, additional checks may extend this period to 2-3 hours.

In the event that your application is declined, you still have the option to proceed with your order by paying via credit/debit card. Simply reach out to us at If you choose not to proceed, your order will be cancelled.



Msofas Limited is authorised and regulated by the Financial Conduct Authority (FCA) and acts as a credit broker not a lender; FCA registration number 622650. Msofas Limited (07711857) Registered office C/O Hodgson Hey Ltd Heritage Exchange, South Lane, Elland, England, HX5 0HG .

Msofas Limited acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is subject to status. Terms and Conditions and minimum spend applies. V12 Retail Finance Limited registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority; FCA registration number 679653. Registered office: V12 Retail Finance LimitedYorke House, Arleston Way, Solihull, B90 4LH. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA.