Interest Free Credit

Up to 12 months 0% APR representative interest free finance

Spread the cost with our interest free finance available online and in store. Our simple finance options allow you to spread the cost of your purchases between £400 and £10,000 over 12 months.

Example – Bellow Rattan Sofa

Rattan Sofa

£849.99 £425(50%) £424.99 £35.41 12 £849.99
£849.99 £255(30%) £594.99 £49.58 12 £849.99
£849.99 £170(20%) £679.99 £56.66 12 £849.99

Applying for Finance Questions

Am I eligible to apply for finance?

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras. Credit subject to status and affordability. Terms & Conditions Apply. Credit is provided by Klarna Bank AB (Publ), Authorised and Regulated by the Financial Conduct Authority.

How do I apply for finance?

When you buy online from Lakeland Furniture Ltd you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to Pay by Finance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement Following receipt of your finance agreement and a few additional checks, your goods will be dispatched. Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Can I request delivery to another address?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

What happens if I am declined?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following: - Your credit score (note that every finance company will score you differently) - Adverse credit reference agency information - You are considered to be overcommitted - You are aged under 18 - Your existing account performance with other lenders.

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