Sofa & Flooring Finance Options

Find out how much you can afford to spend on your dream sofa or flooring with our handy finance calculator.

What is the total cost of your furniture or flooring? (minimum £320)


Calculate your monthly payment

Step 1

Choose your deposit amount (minimum £10)


Step 2

Choose your repayment term (minimum term 6 months)

Choose your finance period (minimum term 6 months)

0% APR Interest Free Credit

Period 6 months

Interest Rate 0% APR

Total Payable

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Delivery charges will be additional and are dependent on what goods you are ordering and your location from an ScS store or Distribution Centre.

*All loans are subject to status and terms.

  • ?0% APR with orders over £320
  • ?Decision in minutes
  • ?Spread the cost with manageable monthly payments
  • A Share & Sons Ltd, 45 - 49 Villers Street, Sunderland SR1 1HA, Company Registration No. 000323778 acts as a credit broker and not the lender and only offers products from Creation Consumer Finance Limited and Secure Trust Bank PLC trading as V12 Retail Finance.

  • Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518). Registered in Northern Ireland, Registration No. N1032565. Registered office: 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT.

  • Secure Trust Bank PLC trading as V12 Retail Finance is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 204550). Registered in England and Wales 541132. Registered office: One Arleston Way, Solihull,B90 4LH.

  • Ikano Bank AB (publ) subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Registered in England and Wales No. BR016253. Registered Company Number FC031187. Registered Office: Waterfront House, Waterfront Plaza, Station Street, Nottingham NG2 3DQ.
To qualify for finance you must be:
  • 18 years of age, or over;
  • A permanent resident of the United Kingdom and have been for the last three years;
  • Regularly employed for at least 16 hours a week (includes Armed Forces), self-employed, retired, on long-term invalidity/disability benefit or a house person;
  • Able to pay the required deposit by debit or credit card upon completion of the finance application;
  • Have no County Court Judgments or a history of bankruptcy;
  • Have a UK bank account that accepts Direct Debit instructions.
  • During checkout please complete your details and choose the preferred finance term as your selected payment method – there are plenty of flexible options to suit your budget.
  • Before completing your purchase we’ll run a hard credit search and you will be notified whether you have been accepted for finance by one of our approved lenders.
  • Upon completion of your order a member of our team will call you to discuss your selection.
  • You can also apply for finance in store when placing your order - please speak to one of our in store sales professionals for more information.
  • A minimum deposit of £10 is required on every ScS purchase, but you can choose to pay more than this at the checkout if you wish. This will reduce your monthly payments, but even if you only pay the minimum deposit, your monthly payments will always be interest free.
  • A minimum deposit is not required on orders made in store.
  • Your deposit is payable on completion of a successful finance application with ScS.
  • The deposit must be paid by either debit or credit card. We don’t charge fees for payments made by credit or debit card.

Representative Example

  • Product price £460

  • Amount of Deposit payable £10

  • Loan Term 48 months

  • Monthly Repayment £9.16

  • Total Amount Payable £529

  • Delivery Price £69

  • Total amount of credit £519

  • Rate of interest 0% fixed

  • Cost of credit £0

  • Representative Annual Percentage Rate: 0% APR

Representative Annual Percentage Rate: 0% APR


Before you apply

Our application shouldn’t take you long. To complete it you’ll need to give us some information about you, so it would be worth having it ready.

  • Your address history for the last 3 years.
  • Your employment and income information.
  • Your debit card, bank account number and sort code.

Half price sofas and carpets

Free Fitting

10% off carpets