Interest free credit

Interest Free Finance. 6 months 0% APR interest free

Spread the cost over 6 months with our interest free finance available online and in store.
Finance available on all orders over £670. You will need to pay only 10% deposit.

How it works?


1. Choose a product
Finance is available on single items of £670 or more. You will find finance calculator on the product page.
2. Add to basket
Finance is available on baskets totalling £670 or more. You will find finance calculator on the basket page.
3. Choose Finance option
Go through the checkout, fill your details in. Finance option will be offered for eligible orders on order review page.
4. Credit check
Select your deposit amount, review payment terms and fill our third party partner PayByFinance application form and get an instant decision.

In store

Just ask store staff for finance option and they will run through our third party partner PayByFinance application form with you.

Check your repayment options with our interest free calculator

Available for all orders over £670. You will need to pay only 10% deposit.

1. Select your order amount

Total Goods Price (£):

2. Select your deposit amount

Deposit amount (£):

3. See your payment terms

Total Goods Price: £670.00

Deposit to pay today: £67.00

Loan amount: £603.00

6 monthly payments of: £100.50

APR: 0.00%

Cost of loan: £0.00

Total loan amount payable: £603.00

Total amount payable (with deposit): £670.00

* Please note: the above quotation is an indicative cost and actual monthly payments may vary by +/- 2p per month.

The credit advertised is provided exclusively by Hitachi Capital Consumer Finance with whom we have a commercial relationship. Hitachi Capital (UK) PLC trading as Hitachi Capital Consumer Finance, 2 Apex View, Leeds, LS11 9BH.

You will be able to choose PayByFinance option for eligible products/orders at checkout.

Hitachi Capital FAQ


How do I choose to PaybyFinance?

Just select the finance option on the checkout payment page or let the sales consultant know if you're buying in our store.


Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Ireland. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse / partner in order to process your application.


When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.


Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.


Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from Futon Company you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks and paying the selected deposit to Futon Company, your goods will be dispatched.


Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Futon Company will be notified. You will be redirected back to Futon Company website to make a selected deposit payment to complete your order.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.


Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.


If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.


How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • Callcredit Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.


If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.


Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Can’t find an answer? Please contact us is secure & your personal data is protected