Sofas on Finance

Discover a new realm of cosy with a sofa on finance. At Snug, we accept all major credit card providers (Visa, Mastercard, Maestro & American Express), PayPal and our financing option V12 Retail Finance.

Pay monthly for your sofas

Want to spread the cost of your sofa? With Snug, getting comfortable has never been so easy. 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. Available on all sofas between £​500 and £5,000, subject to status.

Examples for a £1,500 snug sofa:

12 months 24 months 36 months
Pay Monthly Finance
Minimum Spend £500
Purchase Amount £1,500
10% Deposit: £150
Total amount of credit: £1,350
Spread over 12 months:
Monthly payment: £112.50
Fixed rate of interest per annum: 0%
Representative APR: 0%
Pay Monthly Finance
Minimum Spend £500
Purchase Amount £1,500
10% Deposit: £150
Total amount of credit: £1,350
Spread over 24 months:
Monthly payment: £56.25
Fixed rate of interest per annum: 0%
Representative APR: 0%
Pay Monthly Finance
Minimum Spend £500
Purchase Amount £1,500
10% Deposit: £150
Total amount of credit: £1,350
Spread over 36 months:
Monthly payment: £37.50
Fixed rate of interest per annum: 0%
Representative APR: 0%

Here's how to do it

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.

 

FAQs

Am I eligible?

If you wish to apply for our interest free finance you need to:

  • Be over 18 years of age

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

  • In permanent full (16+ hours per week) or part time employment (16 hours or less a week), self-employed, retired or receive Disability Allowance.

  • 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)

  • Have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

Who is the finance with?

Snug Furniture Limited T/A Snug (Financial Services Register No. 996841) has been added as an Appointed Representative under A. Share & Sons Limited (Financial Services Register No. 673559) which are authorised and regulated by the Financial Conduct Authority. Snug Furniture Limited acts as a credit broker, not as a lender.

 

Snug Furniture Limited uses the following lender:

Secure Trust Bank PLC trading as V12 Retail Finance.

Authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 204550). Registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH.

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.

Which sofas can I get finance?

We offer finance on ALL our sofas from £500 - £5000 so there will definitely be one for you!

Do you offer finance in your stores?

Yes! Our stores, concessions, live selling agents offer exactly the same finance options with the same provider; Secure Trust Bank PLC trading as V12 Retail Finance.

Can my order be sent to a different address?

Orders placed using finance can only be delivered to the home address declared as part of your credit agreement.

Can I return my sofa if I bought it with finance?

Yes, you can return any sofa you bought on finance. To request a refund please refer to our returns policy. Once the process is complete it may take V12 Retail Finance 3-5 days to cancel your finance credit agreement and return any monies already paid. Your deposit will be refunded to your original payment method.

Do you have a complaints procedure?

You can complain to us through the following channels:

● Live Chat

● Email

● Phone

 

Live Chat

Our Live Chat is accessible from our “Contact Us” page here, you will find our Live Chat icon in the bottom right-hand corner.

When you select our chat option, you will be asked for your details and you will then start speaking with a member of our team.

You can raise your complaint here, our friendly team would be happy to assist you and will do their best to resolve your complaint. We will ask you some questions to understand the issue, and you can give us a detailed description of your complaint.

If it is going to take a more extended period of time, we will let you know the next steps and will offer to send you an email or phone call with a resolution.

 

Phone

We have a Customer Experience Team ready to support you over the phone. You can call them on 0333 210 7684. They are available from 9 am to 5 pm on weekdays, 10 am to 4 pm every Saturday.

Our team will try to resolve your complaint over the phone, however, if they need to look into this for you, they will offer you a callback at a time that is convenient for you or an email. We will aim to resolve this within 10 business days of your complaint. We may contact you in the meantime, to obtain further details.

 

Contact Form and Email

We offer a contact form to register your complaint. You can fill in the contact form on our Contact Us page here, you can fill out your details and click submit.

Once the contact form is submitted, our Customer Experience Team will review the form and get in touch with you regarding it as soon as possible. We will acknowledge the complaint and resolve it within 10 business days.

Alternatively, you can send us an email to [email protected] with your order number and the details of your complaint. A member of our team will provide you with a response within 72 hours of your email and resolve this within 10 business days.

For further information on dispute resolution please refer to the FCA (Financial Conduct Authority) section DISP 1.2 click here where an external page will open in a new window.