The UK's largest retailer of solid hardwood furniture

0% Finance Up to 3 year 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 £600, we offer the chance to take up to 3 years Interest Free Credit or a Buy Now and Pay Later option.

OUR FINANCE SCHEMES

Spend £600 - £999.99 to Buy Now and Pay 6 months Later.
Spend £1000 - £1999.99 to Buy Now and Pay 12 months Later.
Spend £2000 - £2999.99 to receive 24 months Interest Free Credit.
Spend over £3000 to receive 36 months Interest Free Credit.

Rustic Oak Living Room Furniture

Current Web Site Total Price: £2,314.65

Cash price (inc. delivery & VAT): £2,314.65
Deposit (20%): £462.93
Amount of credit: £1,851.72
Charge for credit: £0.00
Balance to be paid: £1,851.60
Total amount payable: £2,314.53
24 monthly replayments of: £77.15
0% APR

You only pay £77.15 per month!

Louis Philippe Living Room Furniture

Current Web Site Total Price: £1,462.76

Cash price (inc. delivery & VAT): £1,462.76
Deposit (20%): £292.55
Amount of credit: £1,170.21
Charge for credit: £1,043.43
Balance to be paid: £2,213.64
Total amount payable: £2,506.19
36 monthly replayments of: £61.49
29.8% APR

You only pay £61.49 per month!

 

Remember if you repay the credit amount within 12 months of the 36 month agreement you will pay NO interest! *You will however, have to pay an early settlement fee of £29.00 directly to the lender if you settle the credit amount within the promotional 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!

GET INTEREST FREE CREDIT TODAY

To apply for finance simply select 'IFC - Pay By Finance' at the checkout or call our Finance Hotline on 0845 873 8088 (option 2).

BUY NOW PAY LATER

Why not take advantage of our Buy Now Pay Later options? There’s nothing to pay for either 6 or 12 months*! 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 typical).

* Please note, a deposit of 20% will be required.

FINANCE FAQs

Q. What type of credit options do you offer?
A. Depending on the total cost of your order, we offer 6 or 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 £600 or more.

Q. How do I apply for credit?
A. To apply for finance simply select ‘IFC – Pay By Finance’ at the checkout or call our Finance Hotline on 0845 873 8088 (option 2). A 20% deposit is required at the time of application and an agreement will be posted to you for authorisation.

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 0845 873 8088.

Q. What happens next if my application is approved?
A. If your application is approved we will confirm your order. We will then send your approved finance agreement to you. Simply sign, date and return to us in the prepaid envelope. Upon receipt of the signed agreement we will immediately process your order and dispatch your goods within the specified lead time.

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 20% 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 0845 873 8088.

 
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