Zilch and Furniture: Buy Now, Pay Later

Blog | 14th Nov 2022 | 5min read

Furniture can be a costly investment, and it may well be a top priority if you’ve just moved into a new home or need to refresh your interiors. However, shopping for your new sofa shouldn’t be a stressful ordeal — and Zilch can help.

We offer buy now, pay later on furniture in the UK so that you get comfy at home first then pay the leftover cost later on.

How it works

To start shopping for furniture and homeware, you’ll need our app first — download it from the App Store or Google Play and make an account with Zilch.

Once you’re in, select the store you want from our homepage. And after you’ve read and agreed to our credit agreement, you can make your purchase with Zilch Pay in 4. You’ll pay an upfront 25% of the total price, followed by three separate instalments paid over a six week window, with no interest.

Alternatively, you can also shop with Zilch Pay in 1, and earn up to 2% back on your purchase in Zilch Rewards. For most of our retailers, there are no extra fees to shop with Zilch — but if you can’t find the one you’re looking for on our app or our website, you can pay a small fee to use Zilch Anywhere and buy now, pay later in any store that accepts Mastercard.

As one of the UK’s leading buy now, pay later suppliers, we’ll always be fully transparent — you’ll be able to see whether we charge a fee for shopping with your retailer of choice before you click buy. But we know you might want to try out your furniture and shop in person, so you can also activate your card for your chosen retailer and go and bounce on beds to your heart’s content. Paying is secure, and refunds are just as simple as using a debit card.

Shop for every room: Buy now, pay later on homeware and furnishings

Loungers for the living room

The living room is a place to sit back, put your feet up, and relax — which isn’t so easy to do if you’re busy worrying about how you’re going to pay for the very thing you’re sitting on. Instead, search for your sofas, coffee tables, chairs and other seating fixtures in the knowledge that you’ll be able to spread the cost with Zilch Pay in 4. Much better!

Basins for the bathroom

If you’re decking out your house with the latest home furnishings, the last thing you’ll want is a dated bathroom bringing down your interior style. Instead, find the right storage solutions, vanity unit and mirror choices for your loo. Whether you’re after a rustic look, a modern feel or a lavish lavatory kitted out with the finest linens, Zilch can help. We support retailers over the country, allowing you to Pay in 1 for Zilch Rewards or buy now, pay later at home and bathroom retailers like Dunelm.

Beds and mattresses for the bedroom

There is a long list of bedroom staples you need to bag before moving into your boudoir. From bed frames and bedsides to drawers and dressers, the costs can quickly rack up — and that’s before you even get to trying out mattresses and discover that the priciest one is also the comfiest snooze of your life. Buy now, pay later with the first 25% upfront, then spread the rest of the cost over a six week period.

Crockery for the kitchen

Tools and accessories for the kitchen will make cooking a breeze — and Zilch can help you to stock up on just what you need from the biggest high street homeware sellers, such as Next. Or, if you’re looking to get your food prep fix from smaller local stores, you might opt to use Zilch Anywhere, and for a small fee, use Pay in 4 at any homeware retailer that accepts Mastercard payments.

Garden furniture for the great outdoors

When it comes to effective decor, you have to think outside of the box — and in this case, the box in question is your house’s four walls. From table sets and swing seats to daybeds and deck chairs, there are plenty of furnishings that can brave the elements and enhance your outdoor entertaining. Zilch can help you to manage the cost with a Pay in 4 plan, so that you can pay the first 25% of the cost upfront and divide the remainder between subsequent instalments.

Storage for the study

The studious among you will be well aware that your best graft is done in practical surroundings. Kitchen table home offices, on the other hand, are less conducive to world-altering work. Your furniture doesn’t necessarily have to be the most opulent, just the most practical — so if you’re looking for desks and shelves for your study, this is where you can claw back costs with second-hand deals. With Zilch, you can buy now and pay later at online marketplace eBay to bag the bargains before deals disappear.

*Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative APR 18.1% (fixed). Rep Example: based on total spend: £240 (+ £2.50 transaction fee). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply.