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August 30, 2023

How Does Sofa Finance Work? All Your Questions Answered

If you’re looking for a new Snug to call your own but you can’t pay now, no worries, you can get your hands (and bum) on our cosy sofas through interest-free finance. Like butter on bread, you can spread the cost of your sofa over monthly instalments using V12. But what is V12? How does it work? Do I have to wait months for my sofa? We hear you, and we’ll answer all your questions below.

Grey 2 seater sofa

What is V12?

You can pay for your sofa with up to 3 years interest free credit if you pay via V12 Retail Finance with an initial 10% deposit. Yes, you heard us right. It’s available on purchases between £500 and £5,000. So, that corner sofa you’ve had your eye on can be split into 36 smaller payments. Nifty, right?

How does it work?

1) Add your favourite Snug items to your cart and pick ‘Pay with V12’ at checkout.

2) You’ll be redirected to apply for finance on the V12 portal. Fill out all required questions on the application and get a quick response.

3) Choose your contract length from 12-36 months, pay your 10% deposit today and spread the rest over equal monthly interest free 0% APR finance installments.

4) Your order is complete! Your remaining payments will be taken automatically from your nominated bank account as per your credit contract with V12 Retail Finance.

Big chill 3 seater

Who can apply?

You’ll need to have a couple of things to be able to apply for V12.
  • Be over 18 years of age

  • Be able to make the 10% deposit by credit or debit card

  • Have lived in the UK for at least 36 months and will continue to do so.

  • Have the sofa delivered to your home address on the credit agreement.

  • Have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable)

If you tick all those boxes, you’re ready to go!

Will there be a credit check?

Yes. A credit check is performed to assess your eligibility and affordability.

So, there you have it! You can get a sofa in just a few days with our quick and free delivery and pay monthly with no interest. Any questions? Just email [email protected] and our wonderful customer happiness team will be there to help.


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