Home finance

Finance

Finance Options

At Sofa-Direct, we believe that furnishing your home should be simple, affordable, and stress-free. That’s why we offer flexible finance options to suit every budget, making it easier than ever to bring comfort and style into your home today. With Buy Now, Pay Later plans through Klarna, Clearpay, PayPal Pay in 3, and DivideBuy, you can spread the cost of your furniture with flexible payments that work for you. Subject to status. 18+ UK residents only. T&Cs apply.

Our Finance

How Our Finance Works

Our simple, transparent finance plans allow you to pay for your furniture in manageable monthly installments. No hidden fees, no complicated forms just a smooth process from start to finish.

Steps

Choose Your Furniture

Select your favourite sofas, chairs, or furniture sets.

Select From Our Range Of Finance Providers At Checkout

Choose a plan that works for your budget.

Complete a Quick Application

Get a decision in minutes — online and hassle-free.

Enjoy Your Furniture Today

Select your favourite sofas, chairs, or furniture sets.

Buy Finance

How to buy with Finance

Flexible payment options that make owning your dream furniture easier than ever. Bring home comfort today pay over time with our easy financing plans. Simple, transparent, and affordable finance solutions for every budget.

Choose your furniture

Add to basket

Select Checkout

Enter your delivery & contact details

When asked for Payment, select from the range of finance options that we have available

Complete the short finance form (instant decision)

Review and accept the terms

Confirm order to complete checkout

Shop Now. Pay Later. Enjoy Sooner

Finance Options

Own the furniture you love with easy, affordable financing choices.

Pay in 3 / Pay in 30

Split your purchase into 3 interest‑free payments, or pay up to 30 days later. No fees when you pay on time.

Instant eligibility check at checkout.

No interest or fees when you pay on time.

Manage payments in the Klarna app.

Representative example: Pay in 3 – 3 monthly payments of £X with 0% interest. 18+ UK residents only.

Flexible Payment Plans Designed Around You

Why Use Sofa-Direct Finance

Make your dream home a reality without the upfront cost. With Sofa-Direct Finance, you can spread the cost of your furniture over flexible monthly payments that suit your budget.