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Up to 3 years interest free credit

At Oak Furniture Land we make it easy for our customers to buy quality hardwood furniture at fantastic prices. However, we understand that not all of our customers want to pay by credit or debit card.

To ensure our quality furniture is accessible to as many people as possible, we’re proud to offer some great finance packages to spread the cost. For all purchases over £500, we offer a Buy Now and Pay Later option or the chance to take up to 3 years Interest Free Credit on larger orders.


  †Spend over
NO DEPOSIT and pay nothing for 12 months

   Spend over £1,875
20% deposit and 2 years Interest Free Credit

**Spend over £2,200
20% deposit and 3 years Interest Free Credit

You can create your perfect room from our collection of solid hardwood furniture for as little as £49 per month! Below are examples of our 3 year Interest Free Credit and Buy Now Pay Later options:

Sofa and Living Room Furniture
Representative Example for Interest Free Credit
Current Web Site Total Price:£ 2,200.00
Cash price (inc. delivery & VAT):£ 2,200.00
Deposit: £ 440.00
Amount of credit:£ 1,760.00
Charge for credit:£0.00
Balance to be paid:£ 1,760.00
Total amount payable:£ 2,200.00
36 monthly repayments of:£ 49.00
Representative0% APR
Interest Rate 0% Fixed

You only pay: £49.00 per month!

French Farmhouse Living Room Furniture
Representative Example for Buy Now Pay Later
Current Web Site Total Price:£ 1,197.95
Cash price (inc. delivery & VAT):£ 1,197.95
Deposit:£ 0.00
Amount of credit:£1,197.95
Charge for credit:£1,068.25
Balance to be paid:£2,266.20
Total amount payable:£2,266.20
36 monthly repayments of:£62.95
Annual Percentage Rate29.8% APR
Interest Rate 21.28% Fixed

You only pay £62.95 per month!

If the agreement is settled in full before the first payment is due, then no interest is payable, although a £29 early settlement fee is applicable. Remember that this is a 48 month agreement with a 12 month holiday period.

Why not decrease your monthly repayments even further by choosing to pay a larger deposit? We will even recalculate the change in payments for you!


Why not take advantage of our Buy Now Pay Later option? There’s nothing to pay for 12 months and at the end of the promotional period – you can either choose to repay the balance in full (pay no interest, just a £29 settlement fee) or spread the cost of your purchase over the next 36 months (29.8% APR).


To apply for finance simply select 'Click to view available finance options' at the payment method section of the checkout and choose from the options or call our Finance Hotline on 0800 440 2254.


Q. What type of credit options do you offer?
A. Depending on the total cost of your order, we offer 12 months Buy Now Pay Later options and 24 or 36 months Interest Free Credit (subject to status).

Q. Is there a minimum order value for credit applications?
A. Yes. Credit is only available on orders of £500 or more.

Q. How do I apply for credit?
A. To apply for finance simply select the finance option you require on the Payement Method section of the checkout process or call our Finance Hotline on 0800 440 2254 to complete your application over the telephone with one of our advisers.

Q. When can I apply for finance?
A. Finance can be applied for 24 hours a day, 7 days a week directly through our website. Our Finance Hotline is open 8.00am - 8.00pm Monday, 8.00am - 9.00pm Tuesday and 8.00am - 8.00pm Wednesday to Sunday by calling 0800 440 2254.

Q. What happens next if my application is approved?
A. If your application is approved we will confirm your order. You will then need to follow our quick and easy electronic signature process to sign your agreement. We will then pass your order to our delivery team to arrange delivery within specified lead times.

Q. Are my personal details secure?
A. Yes, our website uses the latest 256 bit high-grade encryption to protect you. There have been no documented cases of credit card fraud using our shopping system over the Internet.

Q. What happens if my application is declined?
A. If our credit provider declines your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card or BACS). If you have paid a deposit this will be refunded to you should you not be in a position to proceed with your order.

Q. Am I eligible for finance?
A. In order to apply for finance you must:

  • be at least 18 and under 75 years of age.
  • be either employed for more than 16 hours per week, self-employed, a house person, retired and over the age of 50, or in receipt of an invalidity or disability allowance.
  • have been a UK resident for 3 years or more.
  • be able to make repayments by direct debit.
  • be able to provide your previous address if you have lived at your current address for less than 3 years.

Q. What information do you need from me?
A. For a decision on your credit application you will need to provide us with your personal contact details, residence, employment and bank details (including bank account number and sort code). Having this information to hand will speed up your application if you apply through our Finance Hotline on 0800 440 2254.

Credit Broker is JB Global Ltd t/a Oak Furniture Land and Sofastore.com, Unit DC2, Viscount Way, South Marston Industrial Estate, Swindon. SN3 4TN. Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) plc. JB Global Ltd and Hitachi Capital (UK) plc are authorised and regulated by the Financial Conduct Authority.

For only £39 per order, all items featuring "express delivery" can usually be delivered within 7 working days.
Alternatively choose from a selection of delivery dates and pre-book a day convenient for you, all available dates will be shown clearly at checkout.

Express Delivery

For only £39 you can choose any items displaying an "Express Delivery" logo, for a guaranteed delivery date to suit you. The dates available will vary in different postcode areas but will be made clear to you in the checkout process.

There is no limit on the amount of items that can be added to your basket for the £39 charge, this is per order and not per item.