Example shown for 18 months interest-free credit, 6, 12, 18 months available for orders over £1999, 20 months available for orders over £2499, 24 months available for orders over £2999, 30 months available for orders over £3499 and 36 months available for orders over £3999.
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.

• What type of credit options do you offer?

  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. We also have interest-bearing credit over 48 months which is 14.9% APR Representative. 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.

• Is there a minimum order value for credit applications?

  Yes. Interest-free credit is only available on purchases over £1999. For interest-bearing credit it’s available on purchases over £500.

• What is Oak Furnitureland's credit broker status?

  Oak Furnitureland Group Limited (FRN 928005) is an Appointed Representative of Consumer Credit Compliance Limited, which is 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.

  Oak Furnitureland Group Limited act as a credit broker, not as a lender, and may be paid a fee based on the total amount of credit provided, calculated as a percentage of the balance financed. You will not pay more as a result of our commission arrangements.

  Oak Furnitureland uses the following lender:

  Secure Trust Bank PLC trading as V12 Retail Finance
  Authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 204550). Registered in England and Wales 541132. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH.

• How can I apply for credit?

  To apply for one of our finance options, simply select 'Click to view available finance options' at the payment method section of the online checkout and make your selection.

  You can also organise a monthly finance repayment plan when making a purchase in one of our showrooms, you’ll just need to remember to bring your passport or photo driving licence AND proof of your current address in the form of a recent utility bill or bank statement (dated within the past 90 days) with you to enable our team to help process your application.

  You can also call us on 0800 440 2254 to complete your application over the telephone with one of our colleagues. It's important you use your full name and current address details and make sure everything is spelt correctly.

• When can I apply for finance?

  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.

• What happens next if my credit application is approved?

  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.

• What happens next if my credit application is not approved?

  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.

• Are my personal details secure?

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

• Am I eligible for finance?

  In order to apply for finance you must:

  • be at least 18 years of age.
  • be either employed for more than 16 hours per week, self-employed, a house person, retired, or in receipt of an invalidity or disability allowance.
  • have been a UK resident for 3 years or more.
  • be able to provide your previous address if you have lived at your current address for less than 3 years.
  • be 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.
• What information do you need from me?

  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. You will also need this information if you’re applying for credit in one of our showrooms.

• How do I make payments to my finance agreement?

  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.

• Can I change my direct debit date?

  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.

• How long will it take to provide me with a decision on my application?

  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.

• Will applying for finance delay my delivery?

  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.

• What happens if I change my order? Will there be another credit check?

  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.

• What happens if my Direct Debit fails, or I fail to make payments on time?

  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 I repay early, how much interest will I be charged?

  If you choose 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.

• If I'm about to move house, do I provide my current or new address details?

  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.