Furniture: Pay Weekly, Pay Monthly & Bad Credit Options

Finding the right furniture for your home can be difficult. You might be trying to make the most of a small space or want to create a modern style but struggle to find the money to complete your project.

Thankfully, there are lots of great companies that offer finance deals and allow you to shop by room to find the right furniture for you.

Whether you need a bed, are looking for attractive storage solutions for your house, or would like contemporary armchairs to suit a certain style, you will be able to find the ideal pieces for your home.

Being able to shop by room will give you the tools needed to create a certain style, and the wide range of bookcases and storage units will help to keep your home looking smart and tidy.

Taking advantage of the services the lender provides and using the support they provide when placing your order will help you and your family enjoy a beautifully designed home.

As well as looking at furniture, you will be able to browse flooring, furnishing, and accessories, creating the perfect relaxing environment that you have always dreamed of.

Even customers with a poor credit status can discover the excellent options provided by the companies below, many of which don't carry out credit checks.

Can I Pay Weekly For Furniture?

It is possible to pay weekly for furniture with a number of excellent sites. The benefit of doing this is that it allows you to spread the payment and make it more affordable. You will be able to buy all the furniture you need and spread the cost, rather than waiting and buying it piece by piece.

Different weekly payment options are available to customers, with some offering 0% interest and no credit checks.

Can I Pay Monthly For Furniture?

Paying monthly for furniture is another excellent option to help consumers spread the cost of furnishing their homes.

Monthly repayments can be easier for some customers to keep track of, especially if they are paid a monthly salary. Some retailers will offer both weekly and monthly options for customers to choose from.

Can I Buy Furniture Now And Pay Later?

Buy now pay later finance options offer customers a flexible way to pay back the cost of the furniture as and when they want within a specific timescale.

Typically, buy now pay later will set out a term that the balance needs to be cleared by. The customer can then pay as little or as much towards this as they want, as long as the balance is cleared by an agreed date.

Failure to clear the balance by the agreed date can sometimes result in a pre-agreed lump sum of interest being added to the balance.

Are There No Credit Check Options Available?

No credit check lending facilities will typically be offered by companies financing their own credit.

What If I Have Bad Credit?

If you have a poor credit rating, using no credit check lending companies can give you access to financing for furniture.

Are Rent-To-Own Options Available?

Rent-to-own options allow customers to rent items with a view to paying a full balance and owning the product at the end of the term. Ownership only transfers to the customer when the balance has been cleared.

Can I Apply For Finance?

To apply for finance, you must be over 18 years of age and prove you can afford repayments. Some companies may have other requirements, including British citizenship for at least two years.

Stores To Buy Furniture On Credit?

Pay Weekly Carpets & Vinyls

Who they are?

Based in West Yorkshire, Pay Weekly Carpets and Vinyls have depots across the UK, so they can provide their excellent service all over.

Starting in 2015, the company offers a great selection of flooring and furniture to customers with flexible payment options.

What do they sell?

Known for their carpets and flooring, they offer their customers a wide variety of styles and colours.

As well as flooring, they also provide high-quality furniture, including beds, sofas, and mattresses.

What is the APR rate?

Pay Weekly Carpets and Vinyls offer interest credit options.

How to order

Browse the store as normal to find the furniture you want. You will see how many weekly payments need to be made and for how long. You can then click on the yellow button that says “Pay Deposit” to order.

How to obtain credit

Applying for credit is easy with Pay Weekly Carpets and Vinyls, as no credit checks are needed. Simply fill out the application form and agree to the terms and conditions.

What are the payment terms?

The contract length and weekly payment amounts will be provided on each item as your select them.

Pay Weekly World

Who they are?

Pay Weekly World is a retailer with a wide selection of high-quality products available on flexible terms.

They provide free delivery and connection to make things easier for customers.

What do they sell?

Their extensive range of products includes household essentials such as kitchen appliances, items to improve gardens, including mowers, BBQs, and hot tubs, computing and entertainment products, and furniture.

You will be able to browse a great selection of living room, dining room, and bedroom furniture, including dining tables and chairs, sofas, beds, cabinets, wardrobes, tables, and much more.

What is the APR rate?

Representative 39.3% APR.

How to order

Ordering furniture from Pay Weekly World is easy. You just need to shop as normal before clicking on the button that says “Apply Now” for the credit facility.

How to obtain credit

To be eligible for credit, you must first enter your postcode to ensure Pay Weekly World covers the area you live in. After entering your contact details, a representative will call to take you through the application form.

What are the payment terms?

The amount payable will be shown when placing your order, and terms can last as long as 36 months.

Pay Per Week 

Who they are?

Pay Per Week is an excellent service that offers low weekly repayment prices on their credit facilities. Interest-free credit is available with no credit checks, and credit limits vary from £750 to £2,000.

What do they sell?

Pay Per Week to have a great selection of products for customers to choose from, including flooring, beds, sofas, and items for the garden.

They also offer customers a great choice of furniture, including dining tables, matching chairs, sideboards, and drawers.

What is the APR rate?

The finance options provided by Pay Per Week are interest-free.

How to order

You will shop the Pay Per Week collection to find the perfect furniture for your home before clicking the “Enquire Now” button.

How to obtain credit

You will be able to apply for credit, and the requirements are that customers must be over 18 and can afford the minimum weekly repayment of £10.

What are the payment terms?

You can pay weekly or monthly for up to 150 weeks to clear your balance with Pay Per Week.


Who they are?

iPPY is an interest-free, no-credit-check site that offers a great selection of products and discounts.

Customers that order more than once from iPPY can enjoy excellent increasing discounts starting at 10% on the second order, rising to 25% in 5% increments.

What do they sell?

Customers looking to improve their homes will have an excellent selection to choose from at iPPY, including;

  • Furniture – No matter what room you are looking to furnish, iPPY has great options. There is a wide range of dining room, bedroom, and living room furniture to choose from.

  • Garden – As well as furniture for your home, there is also a great selection of garden furniture and products for you to enjoy your outdoor space.

  • Kitchen Appliances & White Goods – There is a wide range of household essentials at iPPY, including white goods and appliances like microwaves, toasters, washing machines, fridges, and freezers.

  • Hair & Beauty – You can look and feel great with the iPPY selection of hair and beauty products.

  • Home Entertainment and Electronics – Browse the extensive range of state-of-the-art TVs, laptops, tablets, gaming consoles, and audio equipment.

What is the APR rate?

You will enjoy 0% interest on credit at iPPY.

How to order

Browse the wide range of products at iPPY to see the total price and weekly repayment amounts.

You can then add products to your cart before selecting the credit option at the checkout.

How to obtain credit

By choosing the credit option and entering your details, you will be contacted by an iPPY team member who will take you through the straightforward application process.

iPPY has a 100% acceptance rate for eligible applicants.

What are the payment terms?

Payments can be made monthly, weekly, fortnightly, or every four weeks to clear the balance over a 12-week period.


Who they are?

HomeSmile is located in the West Midlands and provides an excellent rent-to-buy service to customers in Dudley, Birmingham, Walsall, and Wolverhampton.

Boasting more than 20 years of experience, HomeSmile is a part of Estone Personal Credit Limited, which is a member of CCA (Consumer Credit Association) and fully complies with FCA (Financial Conduct Authority) rules and regulations.

What do they sell?

HomeSmile has a wide range of products that customers can browse, including essential household appliances, computing products, and entertainment.

Customers that are looking for furniture can choose from an expansive range of living room, dining room, and bedroom furniture.

What is the APR rate?

Different term lengths have different interest rates, and all the terms and conditions will be available to check before agreeing to a deal. Interest rates are as follows;

  • APR 72.4% – 147 Weeks

  • APR 99.2% – 102 Weeks

  • APR 131.1% – 76 Weeks

  • APR 177.7% – 52 Weeks

  • APR 315.2% 25 Weeks

How to order

The HomeSmile site is easy to navigate, and you can search through all the furniture to find the perfect pieces for your home. Add the furniture you like to your basket before applying for credit.

How to obtain credit

After filling out the HomeSmile application form, your credit will be checked before acceptance.

What are the payment terms?

Weekly payments and interest rates will be provided before you order, and you will be able to choose a payment term to suit you between 25 and 147 weeks.


Who they are?

Studio has more than 60 years of experience and an extensive range of products for customers to explore.

Launched in 1962 to sell paper products via mail-order, the company expanded to become one of the UK's largest online retailers.

What do they sell?

Studio has an extensive range of garden products, clothing, electrical appliances and entertainment goods, toys, health and beauty products, and home furnishings, appliances, and furniture.

What is the APR rate?

Representative 39.9% APR variable.

You will shop the Studio online store as you would any regular shop, and you have the option to pay in full at the checkout or apply for credit.

How to obtain credit

Complete the Studio credit application form at the checkout to access the credit facilities.

What are the payment terms?

Credit facilities allow you to spread your payments across terms that you agree to when ordering. There are also terms from 3 to 9 months that allow customers to enjoy interest-free finance.