Interest Free Credit

Interest Free credit is available on selected products provided by Close Brothers Retail Finance. To qualify you need to spend a minimum of £500 and a 20% deposit is required. For 3 years interest free credit there is a minimum spend of £2500 and a 20% deposit is required. Speak to a member of staff for details.


The example below is based on a typical finance purchase: 

    REPRESENTATIVE EXAMPLE
   Cash Price                                 £2700
   Deposit                                      £540
   Total Amount Of Credit             £2160    
   Agreement Duration                 36 Months
   Representative APR                  0% APR    
   Annual Rate Of Interest            0% P.A.
   36 Monthly Payments                £60    
   Total Amount Payable               £2700 

      All credit is subject to application & status


Who Can Apply for Finance?

  • Applicant must be 18 years or over on application date
  • In permanent UK Residence – minimum of 3 years
  • Retired from regular employment. Minimum age 50
  • Not working through disability and in receipt of disability benefits
  • Self-Employed
  • In regular, permanent employment working a minimum of 16 hours per week (Includes students)


 Terms and Conditions

  • To qualify you need to spend a minimum of £500 and a 20% deposit is required
  • For 3 years interest free credit there is a minimum spend of £2500 and a 20% deposit is required
  • ID will be required for application (proof of address & proof of signature)
  • Credit is subject to application and status
  • Full terms and conditions available on application
  • You will need to visit one of our showrooms to apply


At Home Furnishings Outlet Ltd also trading as At Home Furnishings, Portrack Lighting Centre and The Funky Rug Shop at Southside Retail Park, Portrack Lane, Stockton-on-Tees, TS18 2TA Company number 4121045 acts as a credit broker and not the lender. At Home Furnishings Outlet Ltd only offers financial products from Close Brothers Retail Finance. Close Brothers Retail Finance acts as the lender. Close Brothers Retail Finance is a trading style of Close Brothers Limited - a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered Address: 10 Crown Place, London EC2A 4FT. Registered at Companies House Number 195626.