Finance

We offer a range of long term finance and Buy Now, Pay Later options.

Step One
Add any products to your basket for with a value of over £250. Select a finance Option under payment methods.
Step Two
Pick your plan. We offer 6, 12, 18, 24 & 36 months finance.
Step Three
Fill in your details and complete your Application for finance. If successful you will have to eSign your finance application and your order will be paid for.

How does this work?

  • Flexible repayment options are available on all items over £99, making those big investments easier to manage.
  • And all it takes is a simple application form. You can choose to spread the cost over as long as 24 months using PayPal Credit at a rate of 19.9% APR.

Thinking of choosing finance?

Finance is a fantastic way to spread the cost of your purchase. To make it simple we've partnered with Duologi, whose smart technology lets you apply for and complete the loan application quickly and entirely online. We offer 0% finance options over terms of up to 12 months.

First add the items you wish to purchase to your cart. When you view your cart, you can review the available payment options before entering the checkout.

You can choose to finance by selecting 'Continue with Duologi' as your payment method in the checkout.

You will then see a Duologi branded box on our order confirmation page. You can review the 0% finance options and then click to go to Duologi's website to complete the simple application form and receive an instant decision.

If you are accepted, you can make your deposit payment (minimum of 9.99%) through Duologi before being directed back to the Own Furniture website.

If you are unsuccessful in your application the original order will be deleted from our systems. You would need to complete a new order to make payment via a different method.

Please Note: If your total order value is below £170 then you will receive an error message if you attempt to submit the order to us with 'Dulologi' chosen as the payment method. 

Check your eligibility

Before you apply please note you will only be considered for finance if you:

  • Are at least 18 years old;
  • Are in regular full or part-time employment (minimum 16 hours per week or £10,000 per annum, unless you are retired and receiving a private/company pension or in receipt of disability allowance);
  • Are a permanent UK resident and have lived in the UK for at least 3 years;
  • Have a good credit history with no late payments. debt relief orders, CCJs, IVAs or bankruptcies.

Our Payment Options

We offer 0% interest finance options to help you spread the cost of your purchase over up to 12 months.

We require a minimum deposit of 9.99% of the value of the goods ordered, up to a maximum of 75.00%, with a minimum order value of £170.

Please note: All prices quoted are inclusive of VAT. Finance by Duologi will only be offered for orders to consumers shipping inside the UK.

Representative Examples

0% finance over 12 months

  • Total order value = £1000
  • 10% deposit = £100
  • Total amount of credit = £900
  • Duration = 12 months
  • Representative APR = 0.00%
  • 12 monthly payments of £75.00
  • Total cost of credit = £900.00
  • Of which interest charged = £0.00
  • Total amount payable (including deposit) = £1000

Representative Example

Order value (cash price) £400, total amount of credit £400 with no deposit to pay, 19.9% representative APR, annual rate of interest 10.17% fixed, 12 monthly payments of £36.72, total amount payable £440.64.

Example of a £500 purchase

Here’s a table we’ve put together using a £500 purchase example, take a look to see how payments are broken down.

Term Representative APR (Fixed) Min Spend Payments Total Payable
24 Months 19.9%APR £99 £24 per month £575.95
18 Months 19.9%APR £99 £31.88 per month £573.82
12 Months 19.9%APR £99 £45.50 per month £546.03
6 Months 19.9%APR £99 £87.74 per month £526.43