Furniture financing options for retailers
Point of sale credit helps furniture retailers get sales over the line, boosting average transaction values in the process.
Our research shows that 54% of furniture buyers would not have made a purchase without finance. In fact, 40% felt they spent more because point of sale credit was available.
Want to win more customers and get them spending more?
Award-winning furniture finance
Novuna Consumer Finance is proud to be named Best Finance Provider in the Big Furniture Awards 2025. This award recognises our dedication to providing leading point of sale credit options that help furniture retailers across the UK connect customers with better payment options.
Our finance solutions for furniture retailers
We offer a range of retail finance solutions so you can choose the option that best suits your business and your customers.
Interest free credit
Interest free credit makes up 94% of all finance transactions, making it the most popular option amongst furniture retailers. Allow customers to spread the cost of a purchase at no additional cost.
Interest bearing credit
Allowing customers to pay for their furniture in fixed-rate monthly instalments over a longer term not only helps customers to manage their outgoings, but it can also be a cost-neutral option for retailers.
Buy now pay later
With our fully regulated buy now pay later option, you can give customers the instant gratification of buying their dream item of furniture now and paying for it later.
Take advantage of our tailored finance solutions
Our application platform incorporates a number of bespoke features to support your customers, including:
With the immediate availability of soft search, tailored finance and max loan, customers have the opportunity to understand their full borrowing potential. So, rather than limiting themselves to one-off purchases, they may wish to undertake entire projects for their homes. That’s ideal in today’s current climate, when customers may be opting to stay put and focus on investing and renovating rather than going all-out on a new property purchase.
Chris Shelton, Strategic Relationship Manager
Hear from our retail finance partner, Linthorpe Beds
"Offering finance options allows the customers to spread out payments over time or give breathing space over crucial periods, making a higher quality product more accessible.
"The Novuna platform is extremely easy to use and the customer experience gives us the confidence to offer the finance options available, if the customer thinks that is the best option for them.
"Offering finance can often give us that extra edge when needed against some of our competition who do not offer this service, and it can be used as an ongoing tool for the sales team but more importantly an extra service for our valued customers whatever their budget."
Linthorpe Beds
An omnichannel solution to support business growth
Offer finance online or in-store, providing seamless consistency for your customers.
Stand out in a competitive physical environment
Furniture stores are often situated in areas such as retail parks where often multiple similar retailers are competing for attention and footfall. Differentiate by offering customers the chance to spread the cost of their purchase with an established, trusted lender.
Provide support and reliability for your online shoppers
Purchasing furniture online is becoming increasingly popular, with 18% of UK consumers buying furniture and household goods online in the last 12 months. Furniture retailers focusing on e-commerce mustn’t overlook the importance of offering flexible payment options online.
“We know the furniture shopping experience can be complex. While customers often research their planned purchases online, they may also seek the tactile experience of visiting a store to interact with their chosen products prior to committing to a purchase. Our omnichannel finance solution allows furniture retailers to support customers wherever they choose to make a purchase, providing a more consistent experience.
Chris Shelton
Strategic Relationship Manager
Why you need to bring Novuna retail finance to the table
1. Attract more customers
Offering finance can be a valuable marketing tool, capturing the attention of both new and existing customers.
2. Enhance the experience
We know the furniture industry is all about looking after customers. Support them further by making the cost of big-ticket items more manageable.
3. Avoid abandoned baskets
Give your customers the confidence to pay their way, and close sales sooner.
4. Improve average transaction value
Finance empowers customers to invest more in the items that they truly desire for their homes, all while adhering to their monthly budget.
Partner with the go-to provider of furniture finance
When it comes to the retail finance industry, we’re part of the furniture. Over 3,000 household brands just like you trust in us and our 40 years of experience to deliver the best results.
Hear from our retail finance partner, Sofa.com
“Novuna Customer Finance have been a great partner for many years now. The finance proposition allows us to offer our customers the best credit options, enabling them to purchase an extremely comfy made-to-order sofa and additional homeware, including bedroom and dining furniture, from sofa.com - totally stress-free.”
Sofa.com
Latest insights for furniture retailers
Ready to join our network of over 3,000 UK retailers?
To work with us, you will need to be offering products or services for consumers (not for other businesses) and be trading profitably. You will also need a minimum of:
Please note, we do NOT currently work with the following industries: renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions.
If you meet this criteria, we'd love to hear from you. Please complete the form and one of the team will be in touch within three working days (usually the same day).
If you are an existing retailer with a general enquiry or a customer looking to speak to someone about your retail finance or personal loan agreement, click here for contact details and opening hours.