Man and woman sitting on bed in a furniture shop

Furniture financing solutions for retailers

For high value purchases such as furniture, it's important that you give your customers the option of splitting the cost into more manageable repayments. 54% of furniture retail customers, when surveyed, said that they would not have gone ahead with their purchase if there had not been the option to buy it on credit.

On top of that, 40% also said that they felt that they spent more because finance was available. If you’re looking to boost your average purchase value, POS finance could be the missing piece of the puzzle.


Offer finance on sofas, beds and everything in between

Whether you operate your furniture business online, in-store or take an omnichannel approach, our retail finance platform seamlessly integrates with your POS or ePOS system so you can be there for your customers however they choose to shop.

Customers use finance to make the cost of big-ticket furniture items more manageable. For many, finding thousands of pounds upfront or waiting months to save just isn’t an option. Paying over a series of monthly instalments might be.

Settle on the perfect three-piece suite

Buy a new bed for a better night’s sleep

Finance a new wardrobe, closet or drawers

Get their dream home office set up

Here's what our partners say...

“Novuna Customer Finance have been a great partner over the last 5 years. 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 

What does retail finance bring to the table?

Attract more customers

Offering finance – particularly 0% interest finance – can be a valuable marketing tool, capturing the attention of both new and existing customers. Reach a new audience and avoid abandoned baskets by giving your customers the confidence to pay their way.

Boost your profits

Retail finance can give customers access to items they might not otherwise be able to afford straightaway, so you can close sales much faster. Drive conversions, increase average order value and boost customer loyalty.

Finance options for furniture retailers

We offer a range of POS finance solutions so you can choose the option that best suits your business and your customers.

Interest free finance

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Undoubtedly the most popular option amongst furniture retailers, 0% finance gives you the competitive edge by allowing customers to spread the cost of a purchase at no additional cost.

Interest bearing credit

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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

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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.

We’re 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 very best results for both businesses and their customers.

  • Our online application takes just minutes, so can be completed in-store, online or wherever suits your customers best

  • Instant decisioning and e-signature technology means it’s simple for customers to complete their application – no waiting around when you’re ready to close a sale

  • With soft search functionality, customers can check their eligibility before applying with no footprint on their credit file

  • Tailoring options allow customers to change their loan amount, term or deposit without another credit check so you can turn potential declines into accepts

  • Work with a reputable, reliable provider that customers trust. We’re transparent, fair and upfront with both our partners and their customers

  • Free-of-charge onboarding process, including full training. You’ll also be supported by a dedicated Relationship Manager with a background in furniture retailing

  • Award-winning support for your customers whenever they need us – or they can manage their account 24/7 online or via our app

  • Wonder if a customer could take out more finance to pay for an upgrade or to complete a set of products? We’ll tell you the maximum amount they can borrow using our max loan technology


Offer retail finance on your furniture

If you would like to enquire about becoming a retail partner, please complete the short form, and one of our team will be back to you within three business days.

You will need to confirm you can meet all of the following criteria:

  • Minimum of £2,000,000 in annual sales turnover
  • A minimum of 2 years trading history
  • Be trading profitably
  • A minimum net worth of £25,000, unless your business is within the Home Improvements market then a minimum of £100,000 will be required
  • The products you offer are for consumers and NOT for businesses
  • You do not offer renewable energy (including solar)

Retail Partner helpline

If you are an existing retail partner with a general enquiry, please call our Retail Helpline:

0344 375 5515

Retail Helpline opening hours:
08:45 - 18:00 Monday to Friday
08:45 - 18:00 Saturday
10:00 - 18:00 Sunday

Customer helpline

If you're a customer looking to speak to someone about your existing retail finance or personal loan agreement, call our Customer Helpline:

0344 375 5500

Customer Helpline opening hours:
09:00 - 18:00 Monday to Friday
Closed Weekends & Bank Holidays