Paying monthly for sofa options provides flexibility to fix your home’s flooring and furniture needs conveniently.
Spreading purchase payments gives you instant comfort without draining your savings.
Many of the finance providers in the UK let you spread costs from 3 to 48 months, with some offering 0% interest or short to medium terms.
Online Shops with Pay Monthly Sofa Options
Below is the list of popular options and top stores you can use for monthly payments for sofa purchases:
Pay with Amazon Monthly
Tip: You can use the Instalments by Barclays option on Amazon to spread the cost of your sofa purchases for up to 48 months. It requires a minimum cart value of £100, but eligibility requires that you have an income of at least £6,000 per year.
Amazon
A trusted place to shop for sofas, offering countless styles, sizes, and price ranges. You can browse reviews, compare options, and get fast delivery, making it easy to find the perfect sofa for your home.
Pay with Novuna Finance
Credit Check
Yes
Max. Value
£25,000
Tip: With it, you can pay monthly for sofa purchases, allowing up to 120 monthly instalments. The required cart value varies by merchant, with most requiring a minimum of £250.
Novuna offers flexible payment plans to make your pay monthly sofa purchase affordable in the UK.
Choose an interest-free plan for 1 to 12 months, with just a £29 agreement fee at the end of the term. For longer-term plans, interest rates range from 0.9% to 24.9%, depending on the retailer and plan duration.
The minimum order value is typically £250, though this varies by merchant, with a maximum spend of £25,000. A down payment, usually 10% to 15% of the order value, may be required before applying.
Many of its retailers offer a pre-eligibility check for sofa financing, allowing you to assess your approval chances without affecting your credit score.
Below are some of its top shops you can use to purchase a sofa on a monthly payment plan:
Sofa.com
The online platform provides financing for sofas designed for living rooms, dining rooms, and bedrooms, requiring a minimum order of £350 at checkout. It also offers various accessories to match your purchases.
Home Detail
Another top platform to finance your sofa purchases. A shipping surcharge applies in remote regions, shown at checkout. Affected areas include: Offshore and Highlands: AB, BT, FK19-21, GY, HS, IM, IV, JE, KW, PA20-80, PH11-50, PO28-41, TR21-25, ZE.
NCF Living
NCF Living offers a wide variety of sofas, from budget-friendly fabrics to premium leather designs, available online and in over 20 UK showrooms.
DFS
It offers a diverse selection of sofas, including contemporary fabric, leather, and modular designs, available online and in physical stores across the UK.
Furniture Village
The retailer offers a diverse selection of sofas, available with pay monthly finance through Novuna. At any of its physical stores, a minimum order value of £500 is required.
Pay with V12 Finance
Credit Check
Yes
Max. Value
£50,000*
Tip: With V12 Finance, you can finance your purchases with interest rates from a representative APR of 0% to 19.9%, depending on the payment plan and retailer.
It offers flexible payment options for sofa purchases every month. You can choose a deferred payment plan with up to 12 months interest-free.
For extended terms, interest-bearing options let you spread the cost of your sofa over longer periods, with some retailers providing instalment plans up to 120 months.
The APR for these pay-monthly sofa plans ranges from 4.9% to 19.9%, depending on the retailer and term length. Some stores may offer longer interest-free periods, often requiring a deposit of 10% to 50%.
Online sofa orders via V12 Finance are typically delivered to your checkout address, with most retailers not offering in-store pick-up, even if they have physical locations.
Heal’s
Heal’s provides a variety of home furnishing products, such as sofas, chairs, and other living room essentials. A minimum cart value of £1,000 is required for pay-monthly sofa financing.
Danetti
It offers an impressive selection of furniture and accessories, including sofas and living room pieces. To use V12 Finance’s pay-monthly option at checkout, a minimum cart value of £1,000 is also required.
Cotswold
The company boasts a robust collection of furniture and homeware on its online store, plus easy access to select items at its numerous physical retail centres. To use V12 Finance’s pay-monthly option for sofa purchases, a minimum order value of £1,000 is required.
Fabb
A well-known UK furniture retailer with physical stores across various cities, offering a wide range of sofas and home furnishings. To use V12 on the website for sofa purchases, a minimum order value of £500 is required.
Maze Living
The retailer specialises in pergolas, aluminium furniture, garden sofas, bar stools, fire pit sets, and other accessories. It requires a minimum purchase value of £300.
Pay with Snap Finance
Credit Check
Yes
Max. Value
£7,500
Tip: It provides financing up to 48 months, including a 4-month interest-free option. Extended plans feature variable rates up to 29.9% representative APR.
It offers pay-monthly sofa plans with up to 48 months to spread the cost. You can choose the Pay-in-4 option for 0% interest.
For longer terms, interest-bearing plans are available with rates from 19.9% to 29.9% representative APR, depending on the retailer and your credit.
Snap Finance works with many UK sofa shops, making it easy to finance your purchase at checkout. A hard credit check is required, but most partners offer an eligibility checker first.
Your limit goes up to £7,500, based on your credit profile, the retailer, and order value.
Furnishop
It specialises in home furniture and decor, offering stylish sofas, beds, dining sets, and storage solutions with functional designs.
Italian City Exclusive Furniture
You can finance high-quality Italian-made furniture on its portal, including stylish sofas, dining sets, and bedroom pieces with Snap.
Pay Weekly Sofas
While the platform is known for its weekly plan, you can also enjoy monthly sofa financing when you utilise Snap.
Furniture Direct Online
Another good platform you can use to spread the cost of your sofa purchases into small monthly payments.
Honeypot
Another good option offering delivery to mainland England and Wales from its location in Lincolnshire.
Pay with DivideBuy
Credit Check
Yes
Max. Value
£12,500
Tip: DivideBuy allows you to spread the cost of your purchases interest-free for up to 12 months, with longer terms up to 60 months.
Known for its generous 12-month interest-free terms at various retailers, it is ideal for bigger buys. For high-value items, interest-bearing plans are available up to 60 months at a representative 9.9% APR.
The limit is £6,000 for 2- to 12-month plans, or up to £12,500 if a longer 60-month option appears at checkout.
Partner merchants usually let you check eligibility with a soft search first, but approval requires a full credit check that determines your monthly affordability and loan amount.
Dusk
A well-known home decor brand specialising in furniture and accessories. Finance sofa sets, beds, mattresses, and related items directly on the portal.
Sofa Club
It offers unique sofa models like Chelsea, Savoy, Waterloo, Bloomsbury, Bishop, and Marylebone. You can order online or visit its UK showrooms to finance your sofa with flexible monthly payments.
Swyft
This retailer delivers sofas in a box, available in single-seater, double, king, and super king sizes. You can also shop for ottomans, storage, home decor, and more on the site.
Cocoon
It crafts sofa beds with Pocket Sleep technology for deeper, more restful sleep and eMotion for effortless conversion.
Tulip Interiors
Tulip offers stylish home design goods, including sofas, dining sets, and bedroom furniture, complemented by wall decor and outdoor pieces.
Pay with Other Options
Tip: There are other payment plan providers like Omni Capital, PayPal, Frasers Plus, and others that you can also utilise to finance your sofa purchases.
You can check the platforms below to spread the cost of your sofa purchases into monthly payments:
Argos
A well-loved home decor brand specialising in furniture and accessories. You can find sofa sets, beds, mattresses, and complementary items on the portal and finance them using its in-house credit, with an interest-free plan up to 6 months.
House of Fraser
Another plan that retails across product categories. Through the Frasers Plus option, you can pay monthly for sofas without interest using the 3-month option or enjoy a variable APR of up to 29.9% for longer terms.
Rattan Direct
Rattan Direct is one of the companies that accepts Omni Capital Finance for monthly sofa payments. The platform requires a minimum order value of £280 to use its financing option.
Back 2
With Back 2, you will need to select the Newpay option at checkout to enjoy up to 24 months of instalment payments on sofa purchases.
Habitat
You can also apply for and use the Argos card for shopping at Habitat. Meaning, you can enjoy up to 6 months of interest-free payments on the platform when you are approved for this credit option.
Pay-monthly sofa plans offer flexibility, with many UK retailers providing 3 to 48-month terms and some interest-free periods.
Choose a plan that fits your budget, but ensure timely repayments to protect your credit score or any late payment fees.
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