Interest Free Credit

Interest Free Credit Available. In Store or Online.

Now you can spread the cost of buying beautiful furniture with Interest Free Credit. To apply for Interest Free Credit you either use the finance option on checkout or visit our store where one of our advisers will be happy to take you through the short application process. There's no charge and repayments are totally interest-free!

Do I need to pay a deposit?
If you wish to opt for our interest free (0.0% APR) finance then a minimum 30% deposit is required, you can increase the deposit amount if you wish. 

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?
You can apply for Interest Free Credit online by using the 'Apply For Finance' option at checkout or in store.



Buying on finance? Use our calculator to find a deal to suit you

I'm looking to spend


with a deposit of


Choose your finance option

0% Finance

9.9% Finance

9.9% Finance

Monthly Cost


Deposit: £360.00

Total payable: £1,200.00

Total Finance amount: £840.00

Two Options. One Solution.

We currently offer two finance options to our customers, Interest Free and 9.9% APR.

Option 1 - Interest Free Credit

0% APR

A Minimum 30% Deposit is Required

10 or 12 Monthly Repayment Periods Available


Option 2 - 9.9% APR

9.9% APR

30% Deposit Required

24, 36 Monthly Repayment Periods Available

Minimum order value £1200


If you would like to opt for a longer repayment period when applying for finance, we also offer 24 and 26 months at 9.9% APR option.    

Easy as 1,2,3

Applying for finance is easy and straight forward. Simply add your item(s) to your basket, if they total over £1200 then you qualify for finance. Using the 'Apply for Finance' feature pick a credit option which best suits your needs, the calculator will then display both your total repayment amount and monthly repayment instalments. 

Step One

Choose your item of £1200 or more and click 'add to basket' (We also offer finance for multiple items totalling £1200 or more)

Step Two

Review your order and select 'Apply For Finance' at checkout (or come in-store and speak to one of our advisors).

Step Three

Pick a finance option that suits you. We offer 0% or 9.9% APR, with an initial deposit of 25%.

Beadle Crome (Reading) Ltd  acts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance. We may receive a commission on interest bearing agreements if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.