Do You Offer Interest Free Credit?

Yes, we offer interest free credit on most products (excluding clearance lines), subject to the terms below:

Purchase the items you need without having to worry about the costs upfront. Interest Free credit is available on selected products provided by Novuna instore. To qualify you need to spend:

A 20% deposit is required for all options, and is only available in-store. (we can send a link to your email if required - please call for details)

The example below is based on a typical finance purchase: 

Who Can Apply for Finance?

• Applicant must be 18 years or older on the application date
• In permanent UK Residence – minimum 3 years
• Not working through disability and in receipt of disability benefit 
• Permanent employment working at least 16 hours per week, retired, self-employed, not working through disability and in receipt of benefits & the self-employed.

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 £3750 and a 20% deposit is required. 3 year finance is available in store only)
• 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 acts as credit broker/intermediary and not as a lender. At Home Furnishings Outlet Ltd is authorised and regulated by the Financial Conduct Authority. Credit is provided by Novuna Finance instore. Pay in 3 is provided by Klarna, and is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority and Novuna Finance is regulated by the Financial Conduct Authority (FCA)