This will depend on the total cost of your order, please see our example tables for minimum spend information above. We offer interest-free credit options that can be spread over a 6-, 12-, 18-, 20-, 24-, 30- or 36-month period depending on how much credit you need. There are no fees associated with interest-free credit, and it carries a 0% APR. Please note, not all products offered by our finance lenders are regulated by the FCA. Our 6- and 12- month interest-free credit options aren't regulated, however our 18-, 20-, 24-, 30-, and 36-month options are all regulated by the FCA. All finance is subject to status and credit checks. Late payment fees and other charges may be payable, please refer to your finance agreement for full details and T&Cs.

Yes. Interest-free credit is only available on purchases from £499.

Oak Furnitureland Group Limited acts as a credit broker, not a lender, Oak Furnitureland is a trading name of Oak Furnitureland Group Limited (FRN: 928005) which is an Appointed Representative of Consumer Credit Compliance Limited who are authorised and regulated by the Financial Conduct Authority (FRN: 631736).

The permissions of Consumer Credit Compliance Limited as a Principal firm allow Oak Furnitureland Group Limited to undertake credit broking. This means that when you apply for credit with our lender(s), they and not us, will carry out a credit search.

We do not earn a fee or commission for the introduction.

Oak Furnitureland uses the following lenders:

- Creation Consumer Finance Limited. Registered Office: Wellington Buildings 6th floor, 2-4 Wellington Street, Belfast, BT1 6HT. (Northern Ireland - company number NI032565). Authorised and regulated by the Financial Conduct Authority Registration Number 311518. To access their privacy policy, go to https://www.creation.co.uk/about-us/data-protection-notice
- V12 Retail Finance Limited. Registered Office: Yorke House, Arleston Way, Solihull, B90 4LH. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority Registration number: 679653. To access their privacy policy, go to https://www.v12retailfinance.com/privacy-statement

To apply for any of our finance options, simply select 'Interest Free Credit' at the payment method section of the online checkout and make your selection.

You can also organise a monthly finance repayment plan when purchasing in one of our showrooms; just remember to bring your passport, photo driving licence, or recent Electricity bill with you to enable our team to help process your application.

You can also call us on 0800 440 2254 to complete your application with one of our colleagues over the telephone.

Finance can be applied for 24 hours a day, 7 days a week through our website. Our finance line is open 9.00am - 6.00pm seven days a week, simply call 0800 440 2254 to speak to one of our team members. To find out the opening hours of your local showroom, click here.

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. If you’re applying whilst in one of our showrooms, you will be able to sign while you’re there, otherwise you will receive an email directly from the relevant lender with simple and clear steps to follow.

Once your application has been approved, the finance lender will email you asking you to e-sign your finance documentation, this will enable us to finalise your order. We will then pass your order to our delivery team to arrange your delivery.

If our credit provider(s) are unable to approve 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.

Yes, our website uses the latest 256-bit high-grade encryption to protect you.

In order to apply for finance you must:

• be at least 18 years of age;
• either employed for more than 16 hours per week, self-employed, a house person, retired, student, or in receipt of Disability Living Allowance (DLA) or Personal Independence Payment (PIP);
• a UK resident for 3 years or more;
• able to provide your previous address if you have lived at your current address for less than 3 years;
• able to make repayments by direct debit;
• have a debit card or credit card in your name and registered to your current address and have a bank or building society current account.

We will need your current address, along with previous addresses, if you’ve lived in your current residence for less than 3 years, plus your employment and bank details, including bank account number and sort code. Having this information to hand will speed up your application. If you apply for credit in one of our showrooms, you will also need this information.

Once we have delivered your furniture, we will notify your lender who will activate your agreement. The lender will provide you with your 1st payment date details. Regular payments must be made by direct debit, however you can make additional repayments as you wish to by contacting the lender directly. Alternatively you can contact our customer finance team on 0800 112 4329 who will be able to advise you of the contact details for your lender.

After your first payment has been made, you can contact your lender directly to change this date to a more convenient one. This is subject to the agreement of your lender and they may levy a charge for doing so.

Usually, an instant decision is made regarding your application for credit. There may be occasions where your application decision will take a little longer if the relevant lender requires further information. We will ensure that you are kept up-to-date with your application.

Your delivery will be arranged once your finance agreement has been signed and received by us. Using our e-sign system makes this a very quick and easy process so we can pass your order to our delivery team to arrange delivery as soon as we are able to.

If you need to make any changes to your order we will contact you to discuss the options available. This will depend on whether your order value has increased or decreased.

In this instance, late payment fees and other charges may be applicable, so we recommend you refer to your finance agreement for the full details and T&Cs. Any fees and charges payable are collected by the finance lender directly and not by Oak Furnitureland Group Limited.

If you have previously chosen our interest-bearing credit option and wish to repay in full after you have received delivery of your furniture you should contact your lender directly. They will then be able to provide you with the full details of any settlement amount, including any interest and fees.

When applying for credit make sure you provide your current address details (along with details of previous addresses if you’ve been there for less than 3 years) rather than your new one.