Flexible Interest-Free Finance Options
At CozyFurnitureDirect, we understand that buying quality furniture for your home or garden is a significant investment. That’s why we offer flexible, interest-free finance options to help you spread the cost over time and make your purchase more manageable.
Easy Interest-Free Payment Plans
Spend over £20 and choose from simple payment plans that fit your budget, including:
- Pay in 3 Instalments: Spread the total cost into three equal, interest-free payments. Pay the first instalment at checkout, and the remaining two will be automatically taken monthly on the same date.
- Flexible PayPal Credit: For larger purchases, enjoy 0% interest for up to 12 months with PayPal Credit. Spread your payments over 6, 12, 24, or 36 months, subject to PayPal’s terms and conditions.
How It Works
- Add your favourite furniture items to your basket.
- Choose the PayPal Pay in 3 or PayPal Credit option at checkout.
- Complete a quick application process on PayPal’s secure website for PayPal Credit.
- Get instant approval and finalize your purchase with manageable monthly payments.
Why Choose Finance at CozyFurnitureDirect?
- No hidden fees or setup costs
- Instant decisions with PayPal Credit
- Pay for your new furniture comfortably over time
- Easy application with minimal paperwork
Important Information
- PayPal Pay in 3 is available on orders over £20.
- For PayPal Credit, your basket total must be at least £99.
- Returns and refunds are processed back to your PayPal Credit account.
- Finance options are available exclusively online.
For questions or support regarding finance options, our team is ready to help. Contact us anytime to learn more about making your ideal furniture purchase easier and more affordable.
Frequently Asked Questions
Buy Your Furniture on Flexible Finance Plans
Buy Your Furniture on Flexible Finance Plans
Buying new furniture or upgrading your home can be a significant investment. To help ease your budgeting, CozyFurnitureDirect offers flexible, interest-free credit options through PayPal Credit. Spread your payments easily over 6, 12, 24, or 36 months* - subject to terms and conditions - or choose the simple PayPal Pay in 3 option.
What is PayPal Credit?
What is PayPal Credit?
PayPal Credit is a credit limit linked to your PayPal account, allowing you to make online purchases and spread the repayment over time that suits you best. It gives you flexibility and control to budget for your furniture without paying all upfront.
How Does PayPal Pay in 3 Work?
How Does PayPal Pay in 3 Work?
PayPal Pay in 3 lets you split your purchase into three interest-free payments. For orders over £20, just select PayPal Pay in 3 at checkout, pay the first installment immediately, and the remaining two payments are automatically taken each month on the same date. There are no setup fees or hidden charges-just a smooth way to pay.
How Do I Apply?
How Do I Apply?
An active PayPal account is required, and applying is quick and easy. At checkout, choose PayPal Credit, where you'll be presented with various instalment options. You'll then be redirected to PayPal’s secure site to complete a short form and undergo a quick credit check. If approved, you'll return to our site to finalize your purchase.
If I Cannot See PayPal Credit at Checkout?
If I Cannot See PayPal Credit at Checkout?
To see PayPal Credit as a payment option, your basket must total at least £99.
What If My Application Is Unsuccessful?
What If My Application Is Unsuccessful?
If your application is declined, PayPal will provide information on the reason. You can still complete your purchase securely using your debit or credit card via PayPal.
Available Credit Offers
Available Credit Offers
Use our online calculator to explore the available credit options tailored for your purchase.
Can I Place a PayPal Credit Order Over the Phone?
Can I Place a PayPal Credit Order Over the Phone?
PayPal Credit is available online only and takes just a few minutes to apply.
Returns and Refunds Using PayPal Credit
Returns and Refunds Using PayPal Credit
You can return items purchased on PayPal Credit just like any other order (see our Returns Page). Refunds will be credited back to your PayPal Credit account after your return is processed.
*Terms and conditions apply. Subject to status and approval.
Learn More About PayPal CREDIT
Learn More About PayPal CREDIT
Click Here to Learn More about PayPal CREDIT.
