Ways to pay

Found your dream sofa, furniture or flooring? Find out more information below about the different payment options available both in store and online, including our interest-free credit plans.

Pay by credit/debit

You can also pay for your order using your credit or debit card in all of our stores and online. We accept all major credit or debit cards including:

  • Visa Credit
  • Visa Debit
  • MasterCard
  • Maestro
  • American Express



At ScS, we use SSL encryption to ensure that your order and card details are 100% secure, meaning you can shop in confidence and trust that your personal information is safe

If you are paying by credit or debit card, your balance will need to be paid in full at the time of checkout.

In store

You can easily use your credit/debit card in store and for transactions up to £100 you can use contactless.

Apple Pay

In all stores, you can now use Apple Pay contactless payment with no maximum limit. Simply hold your smartphone near the card reader and just like that your payment is processed - with no need to remember any pin numbers.


PayPal is a quick and easy way to pay for your new ScS sofa, flooring or furniture. Once you have added your products to your basket and have completed your shopping, simply select the 'Pay Now' button and choose the PayPal option when you check out. When you are taken to the PayPal website, log in to your PayPal account and confirm your payment.

If you are paying by PayPal, your balance will need to be paid in full at the time of checkout.

Finance options

Spread the cost of your new sofa, furniture or flooring with our flexible finance options. Buy now and pay later with up to 3 years interest-free credit, 0% APR representative and low monthly repayments.

You can choose to pay for your sofa weekly or monthly using our credit options. Our handy finance calculator will show you exactly how much you’ll have to pay across your preferred repayment term.

You can also choose to buy now and pay nothing for a year - please speak to your sales advisor in store for more information about this offer.

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.

Finance online

  • 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.
  • 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.
  • V12 is our first line finance provider and if you do not meet their eligibility requirements you can also apply for a loan with Creation Finance. Please call our online sales team on 0800 731 0048 for more information.
  • 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.


View our finance calculator

PayPal Pay in 3

Easily spread your payments into three interest-free instalments, with no set-up fees or charges*. Simply choose Pay in 3 at checkout and pay your first instalment at the time of purchase and then your subsequent payments will be due each month on the same date.

Please note: This is only available on orders under £2000.

*Subject to status. Terms and conditions apply. UK residents only. Pay in 3 performance may influence your credit score.

PayPal Pay Credit

ScS also accept PayPal Credit, this is quick and easy to apply for.

If approved*, you can start shopping straight away with PayPal Credit and spread the cost of your next purchase.

Enjoy 0% interest for 4 months every single time you spend £99.00 or more in one go. Any remaining balance due after the 4-month promotional period or any transactions under £99.00 will be charged interest at 21.9% p.a. (variable).

*Subject to credit limit.

Finance in store

In store, you can apply for finance with Creation Finance or Ikano Bank. Our friendly in store sales team will walk you through the whole process, including a credit check to let you know if you are eligible for finance within minutes.

Please note: a minimum deposit is not required on purchases made in store.

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