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  2. Ordering & payment
  3. Payment options

Payment Methods

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.

Finance

Spread the cost of your new sofa, furniture or flooring with up to 4 years interest free credit, 0% APR representative and low monthly repayments.

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.

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

     

Pay by credit/debit card

You can also pay for your order using your credit or debit card in all of our stores, as well as contactless cards for transactions up to £45. We accept all major credit or debit cards including:

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

               

Apple Pay

In all stores, you can now use Apple Pay contactless payment for transactions up to £30. Simply hold your smartphone near the card reader and just like that your payment is processed - with no need to remember any pin numbers.

Finance

If you are making your purchase online, you can also spread of the cost of your new sofa, furniture or flooring with up to 4 years interest free credit, 0% APR representative on orders over £320.

Simply select 'finance' as your payment method in the checkout and have a decision within minutes about your eligibility for finance.

Choose how long you want to spread the cost of your purchase over, from as little as six months up to 48 months and see example monthly repayments.

Please note: if you are looking to take out a finance agreement term over 24 months, our online sales team are required to call you to confirm a few additional details.

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.

A minimum deposit of £99 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.

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

     

View our finance calculator

Pay by credit/debit card

If you are shopping online, simply select the 'Pay Now' option once you have filled in your details, then follow the on-screen prompts to enter your card details.

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.

We accept all major debit or credit cards including:

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

               

PayPal

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.



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