Sofas on Finance

When shopping for a new sofa, there are a number of things to consider. Size, material, comfort levels, how well it will match with your home and decor. And, this isn't an all inclusive list of your mindset when making the purchase.

So, for those who want to buy through a catalogue, how do you go about finding the best deals for sofas on finance? There are plenty of stores to choose from with most offering a spread the cost option allowing you to pay in monthly or weekly installments. Some also offer their credit customers the chance to buy now and pay later for up to 4 years.

These are a few places to consider shopping when you are buying a sofa from a catalogue.

1Furniture Village

This site offers zero percent interest purchases for up to 3 years time. As long as the order is £400 or greater, you can make equal monthly payments of £50, up to £160 (depending on order total, and interest free period). With this option, a 25% deposit is required at time of purchase.

No hidden fees, you know what your payments will be each month, and no need to worry about hidden costs of variable interest rates. For the with a poor or bad credit rating, there is a high change that you won't get accepted for credit. Also, those with no credit history may find it difficult.


Free shipping on an extensive range and selection of new sofas is available through this top rated UK catalogue. Two or three-seater options, chairs, and sectionals are all available on the site. Optional maintenance plans are also offered to customers placing their order.

With weekly payment options, you could have a low payment due each week on the purchase total. With your proof of ID and address, and a quick credit check, it's fairly straightforward to apply for finance on a sofa, even as a bad or no credit shopper.

No deposits are required at the time of purchase either, which is perfect for those who are shopping on a tight budget, or do not have the ability to put down a hefty amount when purchasing new furniture for the home.


Argos and Littlewoods are also top places to consider buying a new sofa for the home. In addition to pay weekly or pay monthly finance options, they offer free shipping, and offer customers variable interest rates.

Further, they have zero interest financing periods available as well, as long as a certain order total is achieved when purchasing new furniture, as well as other items through the catalogue. When buying furniture, you have dozens of options, and places which you can choose to purchase from.

These are a few of the top places to consider shopping, if you want low payments, low interest, and a reliable, reputable catalogue to make the purchases through.

Top Tips

If you've already been rejected for credit it's normally best to wait awhile before you re-apply elsewhere.

Always compare different catalogues and stores to find the best prices.

Always read the terms and conditions in full and understand exactly how much you'll have to pay back.

Useful Info

If you're after some more information, here are a few resources we recommend.