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Your guide

to interest free credit 0% APR

4 years interest free credit 0% APR representative

At DFS we have a massive range of repayment options, there is sure to be one that suits you. Find out the repayment option using our handy interest free credit calculator

finance calculator

Choose your budget

What is the total cost of your chosen furniture?


Choose your deposit

You may want to reduce your monthly payments by paying a deposit


Choose a repayment amount (months)

Amount of Finance




Number of repayments






Monthly repayment


Total to repay


Any questions regarding finance, speak to a personal shopper
free 24 hours 0800 110 5000

At DFS we do things differently, you decide...

How you want to pay

Want to pay for your sofa in less than 4 years? Not a problem. We give you the flexibility of having a totally interest free loan over 6, 12, 18, 24, 30, 36, 42 or 48 months.

When you want to pay

That is very much up to you. You can start your repayments 1 month after your sofa delivery, pay nothing for 6 months, or pay nothing until Easter 2019 then take up to 3 years interest free credit.

Other ways to pay

If you would prefer not to take up the interest free credit offer you can pay by cash, debit and all major credit cards. Simply leave a small 10% deposit and then pay the balance prior to delivery.

See a breakdown of how affordable our 4 years interest free credit is.

When you’re buying your sofa

One of our Sales Advisors in store or on the telephone will take you through the Interest Free credit application process. You will be applying for a personal loan so we will need to ask you some questions about yourself. You will need to have a bank account that supports direct debits, and if you are going in to one of our stores we will need to see your ID, a debit/credit card or driving licence is most commonly used.

Every sofa comes with a 15 year guarantee

After you’ve placed your order

Leave the rest to us … we work with a select group of finance companies and will send your application to one of them who will carry out a credit check and advise us of their decision. If the first provider decides not to accept your application, don't worry we will try another provider on exactly the same interest free credit terms.

If you order in store

You'll get a text message letting you know that your application has been accepted.

If you order online

You'll get a text message letting you know that your application has been accepted and then receive your documents through the post or by email. Please check them straight away and if correct sign and return them to us in the envelope provided.

If your application is declined, unfortunately we won't know the reason why, but will always work with you to talk through other options of paying for your new furniture.