Discover Interest Free
0% APR Representative
Interest-free furniture finance is available on our range of sofas, beds, mattresses, dining and living room furniture through:
Spread the cost of your new furniture over a fixed term from 6 months up to 48 months using our 0% APR Finance payment options and find a monthly cost that suits your budget. A Deposit is required on all Interest Free Credit orders.
Details of the Deposit amount may change based on offers available at the time and will be made available to you so you can determine your monthly repayment costs - see in store for current offer details.
Who can apply for furniture finance?
To be eligible to apply for finance you must:
How can I apply?
Please note finance is currently not available as a checkout option on the website. Our team are working on integrating this payment method.
To apply for finance you must visit one of our stores: https://www.nickscali.co.uk/showrooms
Who can apply for finance?
Finance is subject to status, financial circumstances and borrowing history. You must be aged 18 or older, in permanent UK residence with a fixed income. Minimum order value for finance is £500.
How quickly will my application be accepted?
A decision will normally be made within a couple of minutes. Under rare circumstances your application may need to be reviewed further by V12 Retail Finance or Novuna Personal Finance, they will notify you by email once a decision has been made.
Can I cancel my finance agreement?
To apply for finance we'll need to redirect you to V12 Retail Finance. This is done via a pop-up and your browser must allow pop-ups in order to continue.
How quickly will my application be accepted?
A decision will normally be made within a couple of minutes. Under rare circumstances your application may need to be reviewed further by V12 Retail Finance who will notify you by email once a decision has been made.
Can I cancel my finance agreement?
There is a 14-day cooling off period from the time your application has been accepted. To request cancellation of your agreement please contact V12 Retail Finance or Novuna Personal Finance within this time and quote your agreement number. However, please note that this is not a cancellation of your order, just a cancellation of the Finance as the payment. You will have to make alternative payment methods for the balance of your order. Please see our Returns and Cancellations Conditions and email hello@nickscali.co.uk.
When will my monthly repayments start?
Monthly repayments will commence 25-30 days after you have taken delivery of your order.
Can I apply for finance over the phone?
No, you will need to visit on of our stores, which can be found here and speak to a member of our sales team.
Will I receive a copy of my agreement paperwork?
Yes, once your application has been accepted you will be able to download a copy of your agreement.
If you choose to pay for your order using Finance your order must be delivered to your billing address. Interest Free Credit is not available on orders delivered outside the UK.
Finance FAQs
How long can I take out on Finance?
You can choose your preferred finance term on the product by using the Finance calculator in store.
Who is eligible to apply for finance?
To apply for finance, you must be over the age of 18. You must also be a resident of the United Kingdom.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to e-sign your credit agreement. A PDF of your credit agreement will be displayed on screen and also emailed to you. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement we will be notified and you need do nothing more than wait for your furniture to be delivered.
What if my Delivery address changes before my furniture is delivered?
Should you need to change your delivery address to anything other than what you stated at the time of the application, then please visit one of our stores bringing with you proof of your ID and the new address. We are unable to make any changes to your delivery address without authorisation from the Finance Company and once checked your ID will submit a Change of address request for you. A decision to accept the new change of address can take up to 2 Days to authorise when both you and the retailer will be advised of the Finance Company’s decision.
Can I change my delivery address without visiting the Store?
Unfortunately not. We need to see the Proof of ID and to comply with GDPR rules we are unable to accept this request any other way than in person.
What if I have a query about my Financial Loan Application?
Should you have any questions or complaints about your Finance Application at any time during its term then please contact the Finance Provider directly. Nick Scali, as the Retailer, cannot enter into conversation about your Loan on your behalf, unless it relates to the Furniture itself. Details of the contact information for the Finance provider can be found on your Agreement documentation or by visiting their websites.