Finance & Ways to Pay

Finance

Spread the cost of your new sofa. Choose a flexible way to pay at checkout with PayPal, Klarna or Shop Pay.

All options are offered by our payment partners and are subject to their terms, status and eligibility.

Ways to Pay

Select your preferred option at checkout. Each partner runs its own quick, secure process.

  • PayPal

    Pay with your PayPal account, or split eligible purchases into smaller interest-free payments with PayPal Pay in 3.

    • Checkout with your PayPal login
    • Pay in 3 on eligible orders
    • Subject to status

  • Klarna

    Pay in instalments or spread the cost of your sofa with Klarna, with a quick decision at checkout.

    • Interest-free instalments
    • Flexible financing options
    • Subject to status

  • Shop Pay

    A faster checkout. Save your details once and pay securely in a couple of taps next time.

    • Saved, encrypted details
    • One-tap checkout
    • Order tracking in the Shop app

How It Works

  • Add your sofa to the basket

    Choose your sofa, size and colour, then head to checkout as normal.

  • Choose how to pay

    Select PayPal, Klarna or Shop Pay from the payment options at checkout.

  • Complete the quick check

    Follow your chosen partner’s short process. Most decisions take just a moment.

  • Your order is confirmed

    Once approved, we confirm your order and arrange delivery.

Spread the Cost

An illustrative example of a split payment. Your actual options are shown at checkout.

  • Sofa total

    £899.00

  • Today

    £299.67

  • In 1 month

    £299.67

  • In 2 months

    £299.67

  • Illustrative only. Not an offer of credit. Availability, amounts and terms depend on the provider and your eligibility.

Things to Know

  • Finance and instalment options are provided by our payment partners, not by Sofa Direct.
  • All applications are subject to status, eligibility and the provider’s terms.
  • Minimum and maximum spends may apply.
  • Missing payments may affect your credit rating and future borrowing.
  • Your statutory rights are not affected by the way you choose to pay.

Frequently Asked Questions

  • Which payment options can I use?

    You can pay with PayPal, Klarna or Shop Pay, alongside debit and credit cards. All options are shown at checkout.

  • Will applying affect my credit score?

    Each provider runs its own checks. Please review the provider’s terms at checkout before you continue.

  • Can I pay off early?

    Early repayment is usually possible. Check your provider’s terms for details.

  • What happens if my application isn’t approved?

    You can choose another payment method at checkout and complete your order as normal.

Need Help With Payment?

Our Customer Care team can help with any questions about paying for your order.