Finance - 0% Interest Free Credit

Finance 0% Interest Free Credit

Easy Monthly Instalments

Seen something that you think would be the perfect addition to your home? Why not spread the cost and make our fabulous furniture that even more affordable with our Home Finance option! Want to know how? Well, it’s simple! You can make regular monthly payments for a fixed amount over a set time, so you always know where you stand. (Subject to status. Minimum spend applies).


Check out the Home Finance options we can offer you:

Up to 18 months Interest Free Credit (0% Typical APR) - 10% deposit
6 months interest free credit for orders over £600
12 months interest free for orders over £1000
18 months interest free for orders over £1500


Up to 48 months Classic Credit (9.9% Typical APR) - 10% deposit
24 months classic credit for orders over £600
36 months classic credit for orders over £600
48 months classic credit for orders over £600

(Order value excludes delivery charge)


It's Simple to Do

Our Home Finance is easy to arrange – in fact, we’ll do all the hard work for you! So sit back and relax.


  1. Fell in love with that perfect piece of furniture? Add it to your bag and checkout as normal.
  2. Click on ‘Home Finance’ option during the payment method selection and use our handy credit calculator to select a monthly payment amount and period that suits you.
  3. Next, you’ll be asked to fill in some details, so you should have the following to hand:
  4. Previous address if you’ve moved in the last three years. (We can only deliver your order to the address that has been used to apply for House Credit. Purchases via House Credit can’t be delivered to an alternative address).
  5. Bank details (including account number and sort code).
  6. Email address and contact telephone number.
  7. Daytime and / or evening number plus your work number – these should include at least one landline.
  8. Employment and income information.
  9. You’ll then be taken to our trusted and highly secure finance partners; V12 Retail Finance where you can complete your online credit agreement and pay your deposit.
  10. Once accepted, you’ll receive a confirmation email within 24 hours.


Please remember that any finance offer is subject to acceptance. If you have been successful, you will be asked to ‘eSign’ your agreement online. Should, for whatever reason, your application be unsuccessful - we will get in touch and chat through alternative ways to place your order for you.


Are there any restrictions?

To make sure that Home Finance is right for you, there are some restrictions in place:

  • You must be 18 years of age or over
  • You can pay the 10% deposit by debit or credit card
  • You’re in permanent full (16+ hours per week) or part time employment (16 hours or less a week), self-employed, retired or receive Disability Allowance
  • You have lived in the UK for at least 36 months and will continue to do so
  • The furniture must be delivered to your home address.


What if you'd like to cancel your order after applying for credit?

If you’d like to cancel your order, please let us know at the earliest opportunity by calling or sending an email to our team. Your deposit will be refunded back on to your chosen debit or credit card. It can take up to 14 days for this to display in your account.


Telephone: 01625 613333 / Email:


From a name you can trust

Your interest-free credit agreement is provided on behalf of Arighi Bianchi by V12 Retail Finance, who also supply finance for some of the UK’s best-known high street brands. So when it comes to helping you get the look you want for your home, you’re in good company. Arighi Bianchi Ltd are a credit broker and not a lender.


Need a Hand?

If you’d like someone to help out with your application, just call our Customer Service Team who’ll be happy to lend a hand.


Telephone: 01625 613333 / Lines are open: Monday - Friday: 9am - 5pm 


V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Address: V12 Retail Finance Limited. Yorke House, Arleston Way, Solihull, B90 4LH.