Furniture Finance
Spread the cost of your furniture with flexible finance options
Our Finance Options
Flexible ways to pay for your furniture — choose the option that suits you best
0% Interest Finance
Spread the cost over 6 or 12 months with zero interest. No extra charges, no hidden fees. Pay exactly what you see.
- 0% APR representative
- 6 or 12 month terms
- No deposit required on selected items
- Available on orders over £300
Spread the Cost
Longer payment terms of up to 36 months to make your dream furniture affordable with manageable monthly payments.
- Up to 36 month terms
- Low monthly payments
- Interest-bearing (9.9% APR representative)
- Available on orders over £500
Buy Now Pay Later
Take your furniture home today and pay nothing for up to 12 months. Perfect if you want time to budget.
- No payments for up to 12 months
- Pay in full before the deferred period to avoid interest
- Available on orders over £400
- Subject to status
How Finance Works
Applying for furniture finance is quick and easy — here's how
Choose Your Furniture
Browse our range in-store and pick the furniture you love. Our team can help you find pieces that suit your style and budget.
Apply In-Store
Fill in a quick application at our Romford showroom. You'll need a valid UK ID and a debit card. The application takes just a few minutes.
Get an Instant Decision
Receive an instant decision in most cases. Our finance partner will let you know your approved amount and terms right away.
Take It Home
Once approved, your furniture is yours! We'll arrange free local delivery and you can start enjoying your new pieces straight away.
Finance Calculator
Get an estimate of your monthly payments
Calculator Coming Soon
Our online finance calculator will be available soon. In the meantime, visit our Romford showroom and our team will provide you with a personalised finance quote.
Example: A sofa at £699 on 12 months 0% finance
£58.25/month
0% APR representative. Subject to status. T&Cs apply.
Finance FAQs
Who can apply for finance?
You must be a UK resident aged 18 or over with a regular income. You'll need a valid UK ID (driving licence or passport) and a UK debit card for the application.
Will applying affect my credit score?
The initial eligibility check is a soft search and won't affect your credit score. A full credit check is only carried out if you proceed with the application.
What is the minimum spend for finance?
0% finance is available on orders over £300. Spread the cost options are available on orders over £500. Buy now pay later is available on orders over £400.
Can I pay off my finance early?
Yes! You can make additional payments or pay off your balance in full at any time with no early settlement fees.
What if my application is declined?
Don't worry. Our team can help you explore other payment options. We also accept cash, card, and bank transfer. We want to make sure everyone can furnish their home.
Can I apply for finance online?
Finance applications are currently available in-store only. Visit our Romford showroom at 38-42 Market Place to apply. The process is quick and you'll get an instant decision.
Finance is subject to status. Terms and conditions apply. THS Furniture acts as a credit broker and not a lender. Credit is provided by our finance partner. 0% APR representative on selected items and terms.
Ready to Apply?
Visit our Romford showroom to apply for furniture finance. Our team will guide you through the process and help you find the best option for your budget.