This depends on the total cost of your order. Please see our example tables above for details of the information on minimum spend thresholds that apply to our different credit options. We offer interest-free credit that can be spread over 6, 12, 18, 20, 24, 30, or 36-month periods, depending on how much credit you need for your purchase.

No fees are associated with interest-free credit, which carries a 0% APR. We also offer interest-bearing credit options that can be spread over 12, 36, 48 and 60-month periods, again depending on how much credit you need. Interest-bearing credit options carry a 9.9% APR.

Please note that not all products offered by our finance lenders are regulated by The Financial Conduct Authority (FCA). Our 6 and 12-month interest-free credit options aren't regulated.. All finance is subject to status, age, affordability 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 costing £499 and above, and interest-bearing credit is only available on purchases of £250 or more.

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, 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. 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 numberNI032565). Authorised and regulated by the Financial Conduct Authority Registration Number 311518. To access its 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 its privacy policy, go to https://www.v12retailfinance.com/privacy-statement

To apply for any of our finance options, simply select 'Pay Later - Finance;' at the payment method section of the online checkout and choose the option that’s the best fit for you and your purchase.

You can also organise a monthly finance repayment plan when you make a purchase 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 if you’d prefer to complete your application with one of our colleagues over the phone.

Finance can be applied for 24 hours a day, seven 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 on-screen and via email. 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 whilst 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 enables us to finalise your order and arrange delivery of your item(s).

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. All online payments are protected by one of the UK’s leading secure encrypted gateway services and there is a very strict privacy policy, meaning that none of your information is ever shared with third parties. Our website uses the latest 256-bit high-grade encryption to protect you too.

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);
• able to provide your previous address if you have lived at your current address for less than three years;
• able to make repayments by direct debit;
• resident in the UK or Jersey for three years or more;
• 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 three 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 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 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 three years) rather than your new one.