Your guide to interest free credit

Flexible payments to suit you

Whether you buy in store or online you can choose from a flexible range of repayment terms from 6 months all the way up to 4 years, all totally interest free with no deposit. If you would like to defer your first repayment date you can - there's no charge and repayments remain totally interest free. The price you see is always the price you pay.

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 or pay nothing for a year, then take 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.

*Terms may differ for spanish fiscal residents, please click here to find out more


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

UK residents

Spanish residents

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

Credit is provided by external finance companies as determined by DFS. Credit is subject to acceptance.