Flexible Furniture Financing Options — 0% APR Finance

Sofas on finance with 0% APR options

At Sofatime, we want to make it easier for everyone to find their perfect sofa. You shouldn’t have to wait around for a comfy sofa.

That’s why we offer sofas on finance, with 0% APR and a variety of payment paths to choose from that suit your budget best.

You can order today and spread the cost with interest-FREE finance on purchases with a minimum order value of £500 (Finance subject to acceptance).

The price you see is the price you pay. There are no hidden charges, and you should have no issue spreading the cost into manageable payments with monthly costs that suit every budget.

Applying for a sofa on finance

We hate the idea of having to jump through hoops to apply for finance.

That’s why we work with providers who streamline the application process and make it easy to get the likes of a corner or recliner sofa on finance.

Sofatime customers can choose from 6,10,20,30 & 36 (36 Months available with V12 Retail Finance) month plans.

You’ll then be asked the following details:

• Email address & contact number
• Home address & mortgage / rent details
• Employment details
• Bank details, including sort code and account number

The application will then ask you to complete a brief security check to confirm your identity and that’s it. The checks will take place, and once accepted, you’ll receive a confirmation email.

Who can apply for a sofa on finance?

You will be able to apply for interest-free finance on a new sofa when you meet the following conditions

• is 18 or older
• is, or their partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
• has been a resident in the UK for at least 3 years
• has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit (if applicable)
• has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

If you have any questions about on finance, please get in touch.

Who provides the finance when buying a sofa on Finance?

Hometime Group Limited t/a Sofatime is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 725324. Hometime Group Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority. Hometime Group Limited (trading as Sofatime) 6-16 Duncrue Crescent, Belfast, Antrim, BT3 9B - Company number NI619108.

Terms and conditions

• 0% APR representative available
• Credit is provided subject to affordability, age and status. Minimum spend applies.
• Finance is only provided for purchases between £500 and £15000

Faulty goods rights

Under the Consumer Rights Act you have a legal right to reject goods that are of unsatisfactory quality, unfit for purpose or not as described, and get a full refund - as long as you do this quickly. This right is limited to 30 days from the date you buy your product.

Complaints information

If you are not entirely happy with your recent experience, please raise a complaint by contacting our Customer Service Team on customer.care@hometime.co.uk or call us on 028 9050 8300.

We aim to resolve your complaint as quickly as possible and if we are able to resolve your complaint within 24 hours, we will send you a final response detailing our resolution. If we are unable to provide you with a final response at 7 working days, we will send you a letter explaining the reason for delay and when we expect to issue you with a final response.

Financial Ombudsman Service

If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk.