Furniture On Finance

Spread the cost of buying your new furniture and carpets with our range of finance options. We offer a range of options with up to 4 years to pay – to apply, you can;

  • Use the ‘Finance Option’ during check-out if shopping online
  • Let one of our sales consultants take you through the short application process in store, which is free and easy

In both cases, you can tailor your finance option to suit your requirements (subject to minimum order value and deposit).

Do I need to pay a deposit?

If you wish to use our Interest Free (0% APR) finance then a minimum 20% deposit is required. A minimum 10% deposit is required for our 9.9% Representative APR option. You can though increase the deposit amount if you wish (up to a maximum of 40%) on both our Interest Free (0% APR) and 9.9% Representative APR finance options.

What is the minimum amount I can have on finance?

Our 10 month interest free finance is available on orders over £400, with 20 months available on orders over £1500. Our 9.9% Representative APR finance option is available over 36 or 48 months on all orders over £400.

When do I have to start paying?

Your monthly instalments start one month after your goods are delivered.

How do I apply for Interest Free Credit?

For online orders, simply use the ‘Finance Option’ during check-out. For in store orders, your sales consultant will happily take you through the short application process, which is free and easy. In both cases, you can tailor your finance option to suit your requirements (subject to minimum order value and deposit).

Who can apply for finance?

  • Order value must be over the relevant minimum spend
  • Have a valid email address
  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by Direct Debit
  • Be in regular employment* (minimum 16 hours per week), including self-employment, or in permanent residence with your partner who is in regular employment

*If you are retired and receive a pension or are registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income

INTEREST FREE 0% APR Finance

0% APR means you won't have to pay back any interest throughout the entire length of
the loan, allowing you to spread the cost of purchase across a number of months.

Our interest free loans require at least a 20% deposit and a minimum spend of £400.

Fairway Furniture acts as a credit broker and not the lender and only offers finance from
V12 Retail Finance. V12 Retail Finance is a trading name of Secure Trust Bank PLC, who
acts as the lender.

9.9% Representative APR Finance

 

Our 9.9% Representative APR loans require no deposit and offer competitve interest rates, they also have
the option of longer repayment periods, allowing you to spread the cost of purchase over a greater period of time (up to 48 months maximum).

9.9% Representative APR loans require a minimum spend of £400.

Fairway Furniture acts as a credit broker and not the lender and only offers finance from V12 Retail Finance. V12 Retail Finance is a trading name of Secure Trust Bank PLC, who acts as the lender. acts as the lender.

How do I apply for finance?

Applying for finance for your new furniture or beds is very easy, quick and straight forward. Just add your item(s) to your basket, then when you want to check-out,
if they total over the threshold that qualifies for finance, you can choose that as your payment method – look for the ‘Apply for Finance’ button.

Got a Question

We realise that sometimes there are still questions left unanswered, so we’ve put the most common ones below, if you have any further queries then please do not hesitate to contact us.

Who is the provider of finance to Fairway Furniture?

Our finance is supplied by V12 Retail Finance. It is the UK's only specialist retail finance provider. It is a secure and friendly online system and can provide you with a decision on your application in seconds.

Can I have my furniture delivered to a different address?

Finance orders can only be shipped to the address given in your finance application.

When will I have to start making payments?

You don't start paying for finance until a month after the date of delivery of your order.

Is it possible to settle my finance earlier by paying off the outstanding balance?

Yes you can. Simply call V12 on 02920 468900 and they will help arrange this with you.

What can I do if, having raised a complaint about my finance agreement with Fairway Furniture, I'm still not happy?

In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response. Further information regarding the Financial Ombudsman Service can be found on their website at www.financial-ombudsman.org.uk

 

Typical Finance Examples

Interest Free Credit

Interest Free Credit available for 10 and 20 month periods (minimum 20% Deposit) available on furniture and flooring purchases £400 and above – term is dependent on order value.

Typical example: 10 months interest free credit: Purchase price £750, Deposit £150, Balance £500.  Loan amount £500. 10 equal monthly payments of £50.00. Total amount payable: £750.  0% APR representative.

Up to 48 Months Credit

Interest at 9.9% Representative APR available for 24, 36 and 48 month periods (minimum 10% deposit) available on furniture and flooring purchases £400 and above.

Typical example: 36 months: Purchase price £500, Deposit £50, Balance £450.  Loan amount £450.  36 equal monthly payments of £14.41. Total amount payable £568.76. 9.9% Representative APR.

Credit is provided subject to acceptance by V12 Retail Finance, who are an external finance company.

Harding & Sons Ltd (trading as Fairway Furniture)   Company No. 00239742     FRN: 719968   Registered office: 184 Billacombe Road, Plymouth, Devon, PL9 7HE.

Harding & Sons Ltd acts as a credit broker and will introduce you to V12 Retail Finance Limited (Company no. 4585692  FRN: 679653)  to complete your application for finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.

Not all products offered are regulated by the Financial Conduct Authority.