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Interest Free Credit

Buy your sofa on finance and spread the cost over 6, 10 or 12 months with no interest. Minimum spends apply. 10% deposit required. Subject to status.

Sofa Workshop – Take advantage of Interest Free Credit sofa options...

Take advantage of Interest Free Credit sofa options…

We offer interest free credit options on orders of £2000 and over to make life more comfortable. Our furniture financing options give you the choice of flexible sofa payment plans from 6 to 12 months, with a minimum 10% deposit. Your finance agreement will be provided on behalf of Sofa Workshop by V12 Retail Finance Ltd, one of the leading UK providers of retail credit solutions.

The table below shows how much your monthly payments will be based on the total value of your order.

If you have any questions about finance, call our team FREE on 0800 599 9318.

Get in touch

Payment examples

Spread the cost over 6, 10 or 12 months with no interest. Minimum spend £2,000 plus 10% deposit. Subject to status.

Order Value Finance Terms 10% Deposit Monthly Payment Total Payment
£2,000 6 £200 £300 £2000
£2,000 10 £200 £180 £2000
£2,000 12 £200 £150 £2000
£2,500 6 £250 £375 £2,500
£2,500 10 £250 £225 £2,500
£2,500 12 £250 £187.50 £2,500
£3,000 6 £300 £450 £3,000
£3,000 10 £300 £270 £3,000
£3,000 12 £300 £225 £3,000
Sofa Workshop – Interest Free Credit – How to apply

How to apply

If you wish to use our finance option, you’ll need to be eligible. This means:
  • You must be 18 or older at the point of application
  • You or your partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
  • You must have been a resident in the UK for at least 3 years
  • You have a debit or credit card in their name, which is registered to your address, in order to pay for the deposit
  • You have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction).

Representative example

  • Cash price - £4,500
  • 10% deposit - £450
  • 12-month equal payments of £337.50
  • Total amount payable is £4,050
  • 0% representative APR
Sofa Workshop – Interest Free Credit – Representative example

Important information

V12 Retail Finance is the credit broker for Secure Trust Bank Plc and are authorised and regulated by the Financial Conduct Authority. If your credit application is successful, you will enter into a Credit Agreement with lender Secure Trust Bank Plc. V12 Retail Finance Limited are registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Sofa Workshop do not receive commission for Interest Free Credit Applications. Sofa Workshop is a credit broker not the Lender. The Sofa Workshop Limited trading as Sofa Workshop by Timothy Oulton, registered in England No. 06707205 and registered address: The Sofa Workshop Limited, 350 King’s Road, Chelsea, London SW3 5UU.

Order restrictions

  • Your order must be delivered (delivery charges may apply)

  • Paying by IFC means you cannot choose our ‘click and collect’ as your delivery method


Your monthly repayments will begin 30 days after your order has been delivered. V12 Retail Finance will send you a welcome communication shortly after delivery that will confirm your first payment date. If you want to change the payment date, you will need to contact V12 Retail Finance using the contact details provided in your welcome communication.

Order cancellations

Where distance selling regulations apply, you are entitled to cancel your order before delivery or within 14 working days beginning with the day after the date of delivery. You will need to notify us in writing, and we’ll inform V12 who will cancel your credit agreement. We will refund the order including the standard delivery charge within 14 days.

Please read the terms and conditions of your order for further details regarding cancellations, refunds and complaints.