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Welcome to the Interest-Free Finance Help Page
We are delighted to offer interest-free credit to help you spread the cost of your furniture, whether you buy online or in-store*.
Interest-Free Credit Calculator
Our simple checkout process includes an easy-to-use interest-free credit calculator. Here’s how it works:
1. Choose Your Deposit: Use the first slider to select your deposit amount, with a minimum of 20%. As you adjust the deposit, your monthly payment will update automatically.
2. Select Your Term: Use the second slider to choose your 0% finance term, up to 36 months depending on your purchase value. Your monthly payment will adjust accordingly.
Once you are satisfied with your deposit and term, you’ll know your exact monthly payment. Simply place your order, pay your deposit, and you will receive a confirmation email shortly.
Representative Example
- Cash Price: £3,000
- Deposit: £600
- Monthly Payments: £100 for 36 months
- Total Payable: £3,000
*Credit is subject to status. A written quotation is available on request.
Any other questions?
If there is anything at all you want to ask about our interest-free credit offering, please don’t hesitate to call us on 0845 543 0469, Monday to Friday, 9:30 am to 5 pm.
*Some clearance products may not be eligible for interest-free credit. Please ask in-store for details.
How do I apply for interest-free credit online?
Applying for interest-free credit online is simple. At checkout, you'll automatically see the option to pay with interest-free credit for all furniture purchases over £500. Based on your purchase amount, you can choose a payment plan of up to 24 months. You also have the flexibility to decide your deposit amount, with a minimum requirement of only 20% of the total value.
Applying for interest-free credit online is simple. At checkout, you'll automatically see the option to pay with interest-free credit for all furniture purchases over £500. Based on your purchase amount, you can choose a payment plan of up to 24 months. You also have the flexibility to decide your deposit amount, with a minimum requirement of only 20% of the total value.
To be considered for an application, you must meet the following requirements:
- Be at least 18 years old
- Have resided in the UK for at least 3 years
- Provide a valid email address and mobile phone number
- Have an annual income of £10,000 or more*
- Hold a UK bank account for Direct Debit payments
- Present a valid form of identification, such as a UK driving licence (full or provisional), a recent electricity bill dated within the last 3 months, or a valid passport
Yes, you have the flexibility to decide your deposit amount, with a minimum requirement of only 20% of the total value.
If your application is not approved, you will receive an email explaining the details. Please note that a search related to this application might be recorded on your credit file. A declined application could be due to not meeting the lender's credit criteria. However, you can still complete your purchase using one of the other payment options available at checkout.
No problem! If interest-free credit isn't your preference, you can pay with cash, debit, or credit card. Just leave a 20% deposit when you place your order, and pay the remaining balance before delivery.
No, there are no setup fees, and all payments remain completely interest-free. With our finance plans, you won't pay any more for your furniture than if you had paid in full with cash when you placed your order.
When our sofa finance providers conduct their initial checks, they perform a soft credit check, which doesn't affect your credit score. This soft check helps our lenders assess your eligibility without impacting your credit score. However, once you complete the full application for an interest-free credit plan, a hard credit check will be conducted. This hard check will appear on your credit report and may affect your credit score, regardless of whether your application is approved.
First, use the slider to choose your deposit amount, with a minimum of 20%. As you adjust the deposit, your monthly payment will automatically update. Next, use the second slider to select your 0% finance term, available for up to 24 months depending on your purchase amount. Your monthly payment will update accordingly as you change the term.
Once you are satisfied with your deposit and term, you’ll know your exact monthly payment. Then, simply place your order and pay your deposit.
Once we receive your return, we will refund any payments made and cancel your credit agreement.
If your application is approved, you'll receive an email from Creation Consumer Finance with instructions to register for their online account management tool. Once registered, you'll have access to your agreement details, including the start date of your repayments and contact information for any questions regarding your plan. Through this tool, you can also make additional payments or pay off your agreement early, with no extra charges from Creation Consumer Finance for early repayment.