Applying for finance

Find out how much you can afford to spend on your dream sofa or flooring, with our handy finance calculator.

What is the total cost of your furniture or flooring? (min £310)

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Use the slider or arrows to select the deposit you would like to pay (min £59)

  • 59
  • 1419

Use the slider or arrows to choose a repayment term (min 6 months)

  • 6
  • 24
Updating the monthly payment based on your change
Cost of goods
Total cost of finance
Number of repayments
APR Representative
Monthly payment
56.25 Start shopping


At House of Fraser - Sofas, Furniture and Flooring you can take advantage of up to 2 years interest free credit, 0% APR representative on all our furniture and flooring. Our attractive and easy to understand finance could give you to option to pay for your luxury furniture and carpets in a way that suits you.

Choose the ‘Pay monthly’ button at the bottom of the shopping basket, complete your details and preferred finance term. Once we have received this information, a member of our Internet Shopping Team will telephone you back to complete your application.

Do I qualify?

To qualify for finance you must be:

  • Over 18 years of age
  • A permanent resident of the United Kingdom and has been for the last three years
  • Regularly employed for at least 16 hours a week, self-employed, retired, on long-term invalidity/disability benefit or a house person
  • Armed Forces
  • Able to pay the required deposit by debit or credit card upon completion of the finance application.

How much can I borrow?

  • The minimum loan value is £250 not including delivery, subject to status and appplication
  • For orders placed online, customers will be required to pay a deposit, minimum value of £59. Customers can choose to pay a higher deposit to reduce monthly payments.

How do I apply?

  • Choose the ‘Pay monthly’ button at the bottom of the shopping basket, complete your details and choose the preferred finance term to suit your budget
  • Once you have submitted your order a member of our Internet Shopping Team will call you back at the time you requested in the checkout, to complete your finance application
  • You will need to have your bank account details and employment/income details to hand when we call you.

Do I have to pay anything upfront?

  • A minimum deposit of £59 is required, but you can choose to pay more than this in the checkout. Paying more deposit will reduce your monthly payments
  • The deposit is payable on completion of a successful finance application
  • The deposit must be paid by either debit or credit card. We do not charge additional fees for payments made by credit card.

How long do I have to repay the finance?

  • Subject to application and status, you can choose a repayment term of 6, 12, 18 or 24 months. The decision is yours.
  • You select the finance term that best suits your budget in the checkout.

Who provides my finance?

  • House of Fraser Made To Order Sofas, Furniture and Flooring is a Credit Broker and are not the lender – this means we do not provide the credit ourselves
  • The provider of the credit is Creation Consumer Finance
  • A Share & Sons Limited company registration 323778 trading as House of Fraser Made to Order Sofas, Furniture and Flooring only offers financial products from Creation Consumer Finance
  • Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518). Registered in Northern Ireland, Registration No. Registered office: 6th Floor, Royston House, 34 Upper Queen Street, Belfast, BT1 6FD