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Furniture Finance Option

0% Interest Free Credit available on items £800 or more*

Spread your payments over 6, 9, 10 or 12 months 

With interest free credit it really couldn’t be simpler to enjoy Oak Furniture Superstore’s quality and service. On certain products you can use the Finance Payment Calculator to see how affordable your monthly payments could be.

We make it easy to shop quality furniture at affordable prices with flexible payment plans offered by Deko Ltd.  To ensure a swift application process, we recommend you apply online via the shopping basket 24 hours a day 7 days a week. Alternatively you can call us 7 days a week 9.00am to 9.00pm.

Benefits

  • Spread the cost of your furniture and choose your monthly payment plan
  • 0% interest free with no hidden charges - choose from 6, 9, 10 or 12 month payment plan
  • Your credit is quick and easy to set up 
  • Quick decision usually within 10 minutes
  • Low Rate credit options are also available allowing you to spread payments over 24, 36 or 48 months. For more details see alternative finance options below.

 

How do I purchase with 0% interest free credit?* 

  1. Add your item to your shopping basket and go to the checkout
  2. Select 'finance' as your payment method and choose the 6, 9, 10 or 12 month option. 
  3. Choose whether to pay a minimum 10% deposit or up to 50% if you wish. 
  4. You will then receive a decision within minutes online. 
  5. Once approved you will then need to pay your deposit.
  6. Once your item has arrived, you will then need to make a payment each month until your item is fully paid

 

Easy Payment Plans available - 24, 36 or 48 months*

When it comes to payment options, we appreciate that everyone’s circumstances are different. This is why as well as 12 month interest free credit, our finance options offer alternative flexible funding from 24, 36 or 48 months. You can pay anything from as little as 10% to 50% of your total order and spread the remaining sum over a set number of easy payments.

  1. Add your item to your shopping basket and go to the checkout
  2. Select 'finance' as your payment method and choose the 24, 36 or 48 month option.
  3. You will then receive a decision within minutes online.
  4. Once approved you will then need to pay a minimum 10% deposit although you can pay up to 50% if you wish.
  5. Once your item has arrived, you will then need to make a payment each month to Deko Retail Finance until your item is fully paid

Just select your product by putting it in your shopping basket, go to the check out and select finance as your payment method. The flexible options are then available for you to select from.

Once you have selected the option that is right for you can be rest assured that your application will be processed in minutes. It really is that simple!

 

 


 

Finance FAQs

Q. Is a deposit needed for Interest free credit?

A. Yes, you can pay anything from as little as 10% to 50% of your total order and spread the remaining sum over a set number of easy payments.

Q. Is there a minimum order value for credit applications?

A. Yes. Credit is only available on orders of £800 or more.

Q. How do I apply for credit?

A. You can do this 24hrs a day 7 days a week by simply applying for a finance option via the shopping basket and then checkout.  Within minutes your application will have been dealt with and your order process. Alternatively you can call us on 0800 324 7379 or 0208 338 7610 and we will send you a link to an online application where you will receive an answer usually within 10 minutes. Our Finance Hotline is open 9.00am-5.30pm Monday to Sunday.

Q. What happens if my application is declined?

A. If our credit providers decline your application, you may have an alternative payment terms available to you. Alternative to this you will have the option to choose an alternative method of payment (i.e. credit/debit card or cheque).

Q. Am I eligible for finance?

A. In order to apply for finance you must be

  • at least 18 and under 75 years of age,
  • be either employed for more than 16 hours per week, self-employed, retired and over the age of 50, or in receipt of an invalidity or disability allowance
  • be a UK resident for 3 years or more
  • be able to make repayments by direct debit
  • be able to provide your previous address if you have lived at your current address for less than 3 years

Q. What information will I need to supply you with?

A. For a decision on your credit application, you will need to provide us with your Bank account number, Sort code, Work postcode and Telephone number

 

 

*Terms and Conditions

  • Oak Furniture Superstore offers a range of options via Deko a UK limited company, licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). 
  • A 4.9% APR over 24 payment terms is available terms for customers who would like to spread the cost of the load over 24 months.
  •  A 9.9% APR over 36 months is available for those customers who would like to further spread the cost over 36 months. 
  • The 12 month Interest Free Credit option is suitable for those customers who are able to finance higher monthly payments over a twelve month period. 
  •  Minimum deposit 10% -maximum deposit 50% of the total order value. 
  • Oak Furniture Superstore offer a range of sales, discounts and offers throughout the year which are not available for purchases via any finance option or terms.
  • The minimum order value for finance is £800 across the entire product range and finance payment terms available. 
  • Subject to acceptance.  
  • Please note that Clearance items and / or additional promotional discounts are not valid on items purchased on credit. The 5% discount on orders £500 or over will not apply. The 10% discount on orders £1000 or over will not apply.