Spread the Cost

Instant decision, just select a finance option in the checkout !


Flexible finance options, suited to your lifestyle.

Whatever you have got your eye on, Sofa Club offers a range of payment options that suit, so you can spread the cost of your new sofa.


Why spread the cost?

Simplicity - Our finance application process is quick and easy. We have fast check options that won’t affect your credit rating.

Flexibility - Payment options from 3 months to 36 months, It’s your call, select a finance option that suits your lifestyle.

Affordability - You no longer need to wait to step up your sofa game. By spreading the cost you can afford to upgrade right now.


Who are your finance partners?


Spread the cost with V12 Finance 

12, 24, 36 months options 

Click here for more information



DivideBuy - Spread The Cost Using Interest Free Credit

Spread the cost with DivideBuy

0% Finance over 3,6,12 months

Click here for more information


Snap! Finance | Repayment options to suit everyone!

Spread the cost with Snap Finance

Pay in 4 and cancel any interest!

Click here for more information


Am I eligible for finance?

To apply for finance, you must be meet the following criteria:

  • Over the age of 18
  • Work at least 16 hours a week, on long-term disability benefits, or retired with an income.
  • Be a resident of the United Kingdom and have lived in the UK for the last 3 years or more.
  • Be able to pay the required 10% deposit or above
  • Not considered overcommitted
  • No outstanding CCJs
  • Up to date on all credit accounts
  • No missed payments in the last 6 months


What's the best finance option for you?

  V12 Finance DivideBuy Snap Finance
Available Online & Offline Online Offline only
Type 0% to 14.9% 0% 39.9%
Minimum Deposit  10% From 0% £15
Eligibility Checker? No Yes Yes
Chance of approval? Medium Medium High
Minimum order value £675 £250 £250


    If you repay the full amount back in 4 monthly instalments then any interest will be cancelled.

Only available to UK residents over 18, subject to terms and conditions.  Credit subject to status and minimum order value.


How to apply for finance?

Applying for finance is quick and simple, just follow these steps.

Step 1 Once you have decided on which items you wish to purchase, select these into your basket and checkout as normal.

Step 2 Continue through the checkout and select a payment option that suits your lifestyle. This may direct you to one of a finance partners.

Step 3 Our finance provider will then ask for your personal details such as employment information, proof of address and bank details.

Step 4 You will then receive an instant decision and will be redirected back to the checkout to complete the order.


Been Declined?
If your application is declined, unfortunately we won’t know the reason why, but will always work with you to talk through other options of paying for your new sofa.

We don’t judge anyone, chat to our friendly team to find a way to pay that suits you.


More Questions?

Whether you buy online or in person, we have finance options to suit everyone, if you have any finance payment related questions please talk to our friendly team.

Please contact the team here


Sofa Club Limited is a Credit Broker not a lender and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance and Social Money Limited trading as PayL8r. Sofa Club Limited is authorised and regulated by the Financial Conduct Authority (FCA) under FRN 652661. Sofa Club Limited is registered in England and Wales under company number 08056877. Registered address is 6 Centrus, Mead Lane, Hertford, Herts, SG13 7GX

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