Finance Options On Sofas & Carpets - Pay Monthly & More

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

Calculate your monthly payments

Enter your budget (minimum £320)

Choose your deposit amount (minimum £0)

Choose your repayment term (minimum term 6 months)

Total Payable -
Deposit amount (payable today) -
Monthly payments (- months | 0% APR) -

0% APR Interest Free Credit

*Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by the panel of lenders are regulated by the FCA.
Delivery charges will be additional and are dependent on what goods you are ordering and your location from an ScS store or Distribution Centre.

  • 0% APR with orders over 320 pounds 0% APR on orders over £320
  • Decision in minutes Decision in minutes
  • Spread the cost with manageable monthly payments Spread the cost with monthly payments

Have a question regarding finance? Call us now on 0800 7310048 or check our FAQs below.

  • 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: Yorke House, 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.
  • No minimum deposit is required but you can choose to pay more as a deposit at the checkout if you wish. This will reduce your monthly payments, but even if you only choose to pay nothing today, your monthly payments will still be interest free.
  • 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 £0, Loan Term 36 months, Monthly Repayment £15.53,Total Amount Payable £559, Delivery Price £99, Total amount of credit £559, Rate of interest 0% fixed. Cost of credit £0, 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.

0% Interest free credit available

Free Fitting

10% off carpets