Home Instalment Plan | Customer Rating 3

Free standard home delivery on orders £75+

Expected delivery: Usually within 3-5 days (excluding Sundays and bank holidays).

Excludes large items.

Standard home delivery £3.99 on orders less than £75.

Get an extra 10% off selected Black Friday products when you enter code EXTRA at checkout. Offer ends 18/11/2026.

Product Insurance and delivery/installation charges are excluded from the offer. The code cannot be used in conjunction with any other promotional code.

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

Representative Example:

Representative 44.9% APR variable

(interest rate 44.9% p.a. variable). Based on £1,200 credit limit.

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Remember, your interest rate information is in 'My Account'. Just click the 'My Details' tab, and then into 'My APR'.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

What is Buy Now Pay Later (BNPL)?

BNPL is an interest bearing option that allows you to delay payments on your purchases. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You could delay payment for 6, 9 or 12 months depending on how much you spend.

The delayed payment period and qualifying minimum order value is subject to offer and your account status. If you are eligible for BNPL your offer details will be confirmed in checkout.

How is interest calculated?

Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.

How do I avoid paying interest?

You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. Making partial payments without clearing the cash price in full will reduce the amount of interest charged at the end of the delayed payment period.

Remember, if you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.

How do I make a BNPL payment?

To make a full or partial payment simply log into your account. You can allocate your payment to the specific BNPL you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your account. Any outstanding balance plus the interest will now become payable.

As the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request every month and cannot be repaid using Take 3.

What is excluded from BNPL?

The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.

Do I still have to pay my monthly minimum payment?

Yes, allocating payments to BNPL will not cover the minimum payment on your account. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.
Representative 44.9% APR variable

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

Shop Black Friday Deals

Shop Black Friday Deals

Home Instalment Plan, Customer Rating 3

Filter

Department

Sofa Type

Colour

Shop By Room

Material

Number Of Seats

Price Range

Offers

Brand

Customer Rating

Bed Size

Bed Type

Made To Order

Storage

Numbers Of Chairs

Shape

Results: 1 - 30 (of 127)

Amara Corner Group Sofa - Made to Order in the UK

Current sale price is £1649

Haywood End Lift Up Storage Ottoman Bed with Mattress Options (Buy & SAVE!) - Natural

Current sale price is From £249

Broadgate U-shape Modular Sofa - Made to Order in the UK

£1999

Valetta Corner Dining Table & Bench Dining Set - Natural/Bronze - FSC® Certified

Current sale price is £799

Hanna 4 Piece Bedroom Set - 3 Door Wardrobe, 5 Drawer Chest plus 2 Bedside Chests

Current sale price is £559

Miracoil Pillowtop Divan Bed with Storage Options - Firm

Current sale price is From £279

New Dakota Velvet End Lift Up Storage Ottoman Bed with Mattress Options (Buy & SAVE!) - Antique Rose

Current sale price is From £403

Rothbury Luxury Faux Leather High Back Manual Recliner Corner Group Sofa - FSC® Certified

Current sale price is £999

Prent TV Bed with Voice Control Mattress Options (Buy & SAVE!) - Grey

From £729

Melrose Left Hand Fabric Double Arm Corner Group Sofa - Made in the UK

Current sale price is £1299

Dury Fabric Corner Group Scatter Back Sofa - FSC® Certified

Current sale price is £899

New Bailey Sofa Bed - FSC® Certified

£799

Prent TV Bed with Voice Control and Mattress Options (Buy & SAVE!) - Natural

From £729

Salerno Standard Back Left Hand Fabric Corner Chaise Sofa – Olive Green - FSC® Certified

Current sale price is £899

Leila Fabric Corner Group Sofa - FSC® Certified

Current sale price is £999

Reese End Lift Up Storage Ottoman Bed with Mattress Options (Buy & SAVE!) - Natural - FSC® Certified

From £699

Albion Luxury Faux Leather High Back 3 Seater + 2 Seater Sofa Set (Buy and SAVE!) - FSC® Certified

Current sale price is £849

York Day Bed with Trundle Under Bed with Mattress Options (Buy & SAVE!) - Grey

From £429

Trinity Fabric Left Hand Double Arm Corner Group Sofa with Storage Footstool - Made to Order in the UK

Current sale price is £1349

Santori 2 Seater High Back Recliner Sofa - FSC® Certified

Current sale price is From £499

Brady Italian Leather 3 Seater + 2 Seater Sofa Set - FSC® Certified

£2169

Rothbury Luxury Faux Leather High Back 3 Seater Manual Recliner Sofa - FSC® Certified

Current sale price is £549

Bailey Italian Leather 2 Seater Sofa Bed - FSC® Certified

Current sale price is £799

Salerno Standard Back 4 Seater Fabric Sofa – Olive Green - FSC® Certified

Current sale price is £699

Pavilion Leather/Faux Leather 3 + 2 Seater Power Recliner Sofa Set (Buy & SAVE!) - FSC® Certified

Current sale price is £1379

Rune Cord Left Hand Corner Chaise - FSC® Certified