0% Interest Free Credit, Buy Now Pay Later

0% Interest Free Credit,  Buy Now Pay Later

Interest Free Credit

Designer Sofas 4u Ltd offer you the choice of either 6, 12, or 18-months Interest Free Credit or Buy Now Pay 12 months Later (subject to status). Credit is available on any order of £500 or more.

EXAMPLES :

12 Months Interest Free Credit - Buy Now Pay 12 Months Later

Our Interest Free finance scheme is what it says, Interest Free - no catch, no ties. You simply pay an initial deposit of 10% by credit or debit card and then 6, 12 or 18 equal monthly instalments, which will total no more than the cash price of your purchase.

You pay an initial deposit of 10% and then nothing for the first 12 months. At the end of 12 months you can settle the balance in full and incur no interest charge. If you do not settle the balance in full after 12 months you will then make 36 monthly payments and incur interest charges.

See the example below, which is based on the cost of the items totalling £1000 over 12 months

Cash price (inc. delivery & VAT)	£1000.00
Deposit (10%)	£100.00
Amount of loan	£900.00
Total Charge for credit	£0.00
Total amount payable	£1000.00
Balance payable	£900.00
12 monthly repayments of	£75 .00
APR

Buy Now Pay 12 Months Later
See the example below, which is based on the cost of the items totalling £1000 and the loan is not settled in full within 12 months.
Cash price (inc. delivery & VAT)	£1000.00
Deposit (10%)	£100.00
Amount of loan	£900.00
Total Charge for credit	£767.16
Total amount payable	£1767.16
Balance payable	£1667.16
36 monthly repayments of	£46.31
APR	29.8%

If you wish to apply for credit please be aware of the following:

A) Our finance company will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.

B) In order to apply for credit you must:

1	Be at least 18 and under 75 years of age
2	Be either employed more than 16 hours per week, self-employed, retired and over the age of 50 or living with a working partner, or in receipt of an invalidity or disability allowance
3	Have been a UK resident for 12 months or more
4	Be able to make repayments by direct debit
5	Provide your previous address if you have lived at your current address for less than 3 years

If you meet the above criteria please fill in the following form and a Customer Services Representative will contact you to advise how we can proceed.

Please send us your comments, suggestions or questions:

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