0% Finance from The Furniture Market
Up To 3 Years 0% Interest Free Credit or Buy Now Pay Later
Our credit options are available exclusively for telephone orders by calling 01829 759 259
We make it easy for our customers to buy our furniture by offering a range of great interest free finance packages. You only pay for the furniture, not for the credit!
The Furniture Market is regulated by the Financial Conduct Authority
Orders must be over £600 to qualify for finance and we offer the following packages based on your order value
OUR FINANCE PACKAGES
Spend £600 - £999.99 to buy now and pay 6 months later.
Spend £1000 - £1499.99 to buy now and pay 12 months later.
Spend £1500 - £2499.99 to receive 12 months interest free credit.
Spend £2500 - £3499.99 to receive 24 months interest free credit.
Spend over - £3500.00 to receive 36 months interest free credit.
Finance orders can only be delivered inside the registered finance agreement address.
Delivery can only be taken by the person who has the finance agreement in their name.
Identification is required on delivery. This must be both photographic ID and a recent utility bill at the same address as the agreement.
Can I use any promotional or voucher codes and apply for a finance package too?
We price our furniture very competitively and offering this credit facility to customers means The Furniture Market incur additional costs. So that means we are not able to offer finance packages and additional discount, it has to be one or the other.
How do I apply to pay by interest-free credit or buy now pay later?
Simply call us on 01829 759 259 and we will arrange the finance application for you. The whole process only takes a few minutes and is simple and secure. When you apply for finance we will email you through an online application form to fill in which will determine your application acceptance. Once you have completed this and been approved we will then be able to process your order.
Is there a deposit to pay?
Yes, the minimum is 20% deposit amount for any of our finance packages. This is to be paid prior to your application being made. Please note that you can pay a larger deposit if you would prefer to reduce your monthly repayment amounts.
What type of credit options do you offer?
Depending on your order value we offer 6 or 12 months Buy Now Pay Later options and 12, 24 and 36 months Interest Free Credit (subject to status).
Buy Now Pay Later
With this option there is nothing to pay for either 6 or 12 months (apart from the initial 20% deposit), at the end of this period you can either choose to repay the balance in full (pay no interest, just a £29 settlement fee) or spread the cost of your purchase over 36 months with an interest rate of 19.9% APR typical.
Please Note:- Repayments will begin either 6 or 12 months after you have signed the credit agreement, not when you receive your furniture.
Interest Free Credit
With this option you pay no interest and simply spread the total cost of your order over the amount of months that your order amount qualifies for. (i.e. if your total order value is £1500, you qualify for 12 months interest free credit, you would then need to make a 20% deposit (£300), this would then only leave 12 monthly repayments of £100).
How long is the repayment period?
That depends on how much you spend, you can see the packages we offer in the table above and when you apply over the phone our sales representative will let you know what your options are.
Are there any hidden extras or arrangement fees for credit?
No you won’t pay a penny more for the interest free credit option and if you take the buy now pay later option the only fee you would ever have to pay is a £29 settlement fee if you choose to repay the balance in full.
What information do you need from me?
For a decision on your credit application you will need to provide our finance provider (Hitachi Finance) with your personal contact details, residence, employment and bank details (including bank account number and sort code).
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we’re only able to deliver goods to the home address of the applicant.
What happens if my application is declined?
If our credit provider declines your application you will know immediately as it is an instant decision, you can then pay by an alternative method of payment (i.e. credit / debit card or paypal). If you have paid a 20% deposit this will be refunded to you should you not be in a position to proceed with your order.
If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we’ll automatically turn down a further request. We do suggest however that you leave at least 6 months between applications.
Am I eligible for finance?
In order to apply for finance you must:
Be over the age of 18
Work at least 16 hours a week or be retired on an income.
You must be a resident of the UK and have lived in the UK for at least 12 months.
Be able to make repayments by direct debit.
The Furniture Market.co.uk Ltd are licensed credit brokers.
Credit is subject to status and written quotations are available on request.
The credit advertised is provided by Hitachi finance with whom we have a commercial relationship.