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0% Finance Available at Oak Furniture House - helping you make your dream home a reality

Looking to refurnish your home? If you are looking to purchase a lot of furniture we can offer you a special 12 months interest free credit - conditions and minimum spend apply.



1) Select the furniture you require. To qualify for finance your basket value (including delivery) needs to be a minimum of £500 to a maximum of £10,000

2) When you’re in the basket, simply fill out your address and contact details, then click the ‘Pay By finance’ button. You will be now prompted to select the duration of the finance you would like to apply for, then press apply for finance. You will now be directed securely to the finance application page.

3) Simply fill out the finance application, pay the 10 to 50% deposit by card, depending on the level of finance selected.

4) We then receive notification from the finance provider with the outcome of the application

5) Providing the application is successful we dispatch your items in the specified lead times!

6) Interest Free Option Can't be Used with 5% or 10% discount voucher and a minimum order value of £1000 is required. We can't offer discount and interest free at the same time.

Finance FAQs

Depending on the total cost of your order, we offer Pay Monthly over 6 and 12 months interest free or 24, 36 and 48 months at 19.5% (subject to status).
Yes. Credit is only available on orders of £500 or more.
To apply for finance simply select the pay by finance on the Payment Method section of the checkout process or call our Finance Hotline on 01235 834831 to complete your application over the telephone with one of our advisers. It's important you use your full name and address details and make sure everything is spelt correctly.
Finance can be applied for 24 hours a day, 7 days a week through our website. Our sales Hotline is open 9.30am - 9.00pm Monday to Saturday, simply call 01235 834831 to speak to one of our team members.
If your application is approved you will then be required to make the payment for the deposit. This will all be on the finance application We will then pass your order to our delivery team to arrange delivery within our specified lead times.
Yes, our website uses the latest 256 bit high-grade encryption to protect you. There have been no documented cases of credit card fraud using our shopping system over the Internet.
We work with a number of lenders to give the best opportunity for your finance application to be approved however this cannot be guaranteed. If our credit providers 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.
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 make repayments by direct debit. be able to provide your previous address if you have lived at your current address for less than 3 years. have a debit card or credit card in your name and registered to your address and have a bank or building society current account.
For a decision on your credit application you will need to provide us with your personal contact details, residence, employment and bank details (including bank account number and sort code). Having this information to hand will speed up your application if you apply through our Sales Hotline on 01235 834831.
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 service team on 01235 834831 who will be able to advise you of the contact details for your lender.
After your first payment has been made you may contact your lender directly to change this date to a more convenient date. This is subject to agreement of your lender and they may levy a charge for doing so.
In most cases your application decision will be advised to you instantly. There may be occasions where your application decision will take a little longer if our lenders require 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 verified and received by us. Our delivery company will be in contact with you directly to arrange a suitable day and time for your delivery.
If you need to amend your order we will contact you to discuss the options available to you. This will depend on whether your order value has increased or decreased. Please send us an email to info@oakfurniturehouse.co.uk with details of the changes you wish to make.
If you choose our Pay Monthly option and wish to repay in full after you have received delivery of your furniture you should contact your lender who will be able to provide you with the full details of any settlement amount inclusive of any interest and fees.


Finance provided by Klarna Bank AB. Rates of finance offered in the online finance calculator are based on specific product(s) and can be applied for once this item(s) has been added to basket. When adding multiple items to the basket is possible that promotional rates may change or that non-financeable products will be added to your required deposit payment in full, depending on items added. 

SWJ UK Ltd t/a Oak Furniture House is registered in England and Wales (06611942). Registered Office: Unit 2, H4 Building, Milton Road, Didcot, OX11 7HH. SWJ UK Limited t/a Oak Furniture House acts as a credit broker and only offers credit products from Klarna Bank AB. SWJ UK T/a Oak Furniture House is authorised and regulated by the Financial Conduct Authority. Our registration number is 650857. Credit provided subject to age and status.

Oxford Furniture Company Ltd is registered in England and Wales (06611942). Registered Office: 126 New Walk, Leicester, Leicestershire, LE1 7JA.
Oxford Furniture Company Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority. Our registration number is 650857. Credit provided subject to age and status. We do not charge you for credit broking services. We will introduce you to Finance available from a number of our partner lenders.
© Oxford Furniture Company Ltd 2024. All rights reserved.