This month we’re asking retailers: Do you offer your customers finance options and how beneficial is this?

Home World – Mattress & Bed Centres

Currently we do not offer outside finance options, we haven’t needed to be honest. We find most customers have credit cards anyway. For those that don’t have a credit card we do offer a Layaway service, where they can pay weekly or monthly, then once the products are paid, we can arrange delivery.

M6 Beds

Offering finance is a really important part of our business. It makes our products much more accessible, allowing customers to spread the cost in a way that suits them. We offer a range of flexible, interest-free options both in-store and online. The key for us is that these are 0% finance options, which ensures customers aren’t paying more to shop with us — just spreading the cost in a manageable way. We’ve fully integrated these services into our website, and it’s been extremely well received. From a business point of view, it’s had a clear impact: we’ve seen higher conversion rates, increased order values, and stronger overall sales performance. But just as importantly, the process is quick and simple, which gives our customers a smooth and stress-free experience — something we really pride ourselves on.

Fairway Furniture

Using a range of finance options – be that interest free or longer term low-cost chargeable credit – is a key tool in helping increase both the breadth of customer appeal and average transaction value (ATV). The ability to ‘sell-up’, as well as make customers better appreciate the affordability of what they are considering, really drives ATV. Over the past 12 months, our ATV for orders on finance was 68% higher than for non-financed, a difference that is more pronounced than ever. While finance offers impact margin, at a time when big-ticket consumer spending is under pressure, they help convert prospects who otherwise I have no doubt we’d fail to gain as customers.

Dreamland Bedding Centre

At one time, we did offer a formal finance solution, which we marketed as “interest-free credit.” However, as with many such schemes, the reality is that the associated costs were effectively embedded within the pricing structure of the goods themselves. Ultimately, the third-party finance provider we partnered with encountered a series of operational and reputational challenges, prompting us to withdraw from the arrangement. Given the socioeconomic context of our region—where a significant proportion of households already contend with financial hardship—we made a conscious decision not to contribute to the broader debt culture. Instead, we introduced a more responsible and transparent alternative: an in-house instalment option whereby customers can spread the cost of their purchase over time, with delivery scheduled once payment is complete. Payment is always taken in advance of delivery, ensuring customers are not burdened with repayment commitments after receiving their goods. While this model may not suit all, it has provided a manageable and debt-free route to ownership for many. Simultaneously, we have strategically refined our marketing efforts to target consumers with greater financial freedom—those who are unencumbered by credit obligations and who possess higher levels of disposable income. This dual approach allows us to serve our community ethically.

Material Things

No, we don’t offer customers finance. We used to around seven years ago, however we weren’t doing enough to warrant the cost and the regulations around finance got tighter and tighter, so we decided to drop it as an option. We saw no drop off in turnover, and have been growing at a pace ever since. We also don’t have the hit on margin from the finance as it was mostly 0% that we offered.

Linthorpe Beds

We do have finance options available to our customers, and it can be a great benefit to our team and customers alike. Beds and mattresses can be a significant purchase, ranging from hundreds to thousands of pounds. Most of our customers pay via credit / debit card giving them their own personal flexibility.  By offering other finance options this allows the customers to spread out payments over time or give breathing space over crucial periods, making a higher quality product more accessible. Someone who needs a new bed or mattress due to a move, injury, or unexpected situation etc. can act right away, without having to wait until they’ve saved up by using one of our ‘Buy Now, Pay Later’ and ‘low APR interest bearing’ options, or by using PayPal’s ‘PAY in 3’ via our online platforms. We use the Novuna platform which the team use with extreme ease and the customer experience is so easy giving an extra confidence to offer the finance options available, if the customer think’s that is the best option for them. Offering finance can often give us that extra edge when needed against some of our competition who do not offer this service, and it can be used as an ongoing tool for the sales team but more importantly an extra service for our valued customers whatever their budget.

Harrison & Brown Furniture

Yes, we do offer finance options, up to 3 years interest free credit through Buyline, who have been a fantastic company to work with. I was limited in which providers I could choose from, as many only accept businesses with a turnover of £2 million or more (I wish!). That said, I’m really pleased with how smooth the process has been with Buyline. If I’m honest, I expected more customers to take up the finance option, but so far uptake has been lower than I would have liked. I’ve recently added Klarna as another option, which I hope will appeal to a wider audience and help boost sales. With the cost of living and general uncertainty, I do believe flexible finance will become more important for customers and I want to make sure we can offer that support when needed.

Sofa Club

At Sofa Club we pride ourselves on offering flexible finance options that make high‑quality sofas accessible to all lifestyles. We offer 0% interest finance for 3, 6, or 12 months on eligible purchases over £600/£675 (minimum order varies by provider), with only a 10% deposit required. Longer terms available via V12 Finance at a representative 14.9% APR over 24, 36, or even 48 months for those needing lower monthly payments. We partner with DivideBuy too, offering instant eligibility checking with a soft credit search, interest‑free for terms up to 12 months and fixed 12.9% APR up to 36 months. This helps our customers spread costs and choose the term that suits finances. Our partners use personalised lending that’s more likely to approve younger buyers or those with limited credit history. We aim to make financing people’s dream sofas affordable, transparent and stress‑free, backed by FCA‑authorised partners.

Land of Beds

Absolutely! We truly believe a great night’s sleep starts with a good bed, and everyone deserves one. That’s what motivates us every day; to help as many people as possible sleep better. Buying a mattress isn’t just a purchase. It’s an investment in your sleep, your health, and your overall wellbeing. That’s why we offer flexible finance options, because quality sleep shouldn’t depend on what’s in your bank account right now. Wherever our customers are on their journey, we want to make sure they have the support they need. It’s been great to see customers who might have walked away because of price now getting the sleep they deserve straight away. So many of them tell us they wish they’d done it sooner!

MattressNextDay

We do offer finance options to our customers, and it has proven to be beneficial. We’ve found that it helps customers manage their cash flow, which in turn contributes to a higher average order value for us. However, we do have a minimum order value in place for purchases made using finance options, restricting it for smaller transactions.

Snooze

Yes, and it is critical for a consumer to be able to justify a luxury mattress. Even statistics show you’re able to cater to more people and allow every consumer to get the bed that they need by offering these options.