Sofa trends 2023: The best sofas available to buy now and pay later

Blog | 11th Jan 2023 | 4min read

With all the time we spend lounging on our sofas, you’ll want to make sure you purchase one that’s easy on both your back and your wallet. The problem is, a good sofa can cost an arm and a leg.

But whether you’re switching up your worn-out furnishings or decking out a brand new living room, Zilch can help you to spread the cost of your brand new sofa with buy now, pay later.

So, which couch has caught your fancy? Let’s discuss some of our top sofa picks for 2023, and how you can manage the cost.

Our top picks: Buy now, pay later on sofa styles


The Lawson sofa is a versatile and comforting anchor to any modern interior. Its soft, fluid curves complement all kinds of other furnishings, not least when draped with throws, piled with cushions and topped with a very satisfied shopper. Whether you’re after a classic 3-seater or a shapely sectional, purchase your dream sofa with buy now, pay later and cover just the first 25% of the cost upfront.

Chaise longue

The Chaise longue is a classic example of first-class French craftsmanship — but if you’re unfamiliar with the style, its name quite literally translates to “long chair”. The elegant, low-profile choice is a high-practicality, super stylish seating arrangement best enjoyed solo. And with Zilch Pay in 4, you can sit back and relax in the knowledge that you’ve spread the cost of your trendy new purchase. Très chic.


If you’re looking to go timeless in the new year, look no further than a Chesterfield. The high rolled arms and deep cushions would look just as at home in a grand ballroom as they do in a retro reading den. The Chesterfield is sophisticated, universally beloved, and more than inviting for a quick afternoon snooze. What’s more, you can buy now and pay later on to spread the cost of this sofa that will never go out of fashion.


There’s no need to dress it up — the Tuxedo sofa is an effortlessly cool take on lounging furniture. The balanced height of its arms and back create a sleek silhouette that blends seamlessly into any interior, and it typically comes in a range of colours, fabrics and dimple patterns to satisfy your inner designer. Much like a high-end tuxedo, you can expect style, precision, and great proportions — except with a lot more comfort. Buy now and pay later with Zilch.

How buy now, pay later works

Wondering how this all works? Take a seat and we’ll walk you through the process.

To begin sofa shopping, you’ll first need to download our app from the App Store or Google Play. Next, make an account with us and take a read of our credit agreement. If you’re happy to proceed, you can then take a look through our storefront to find the retailer you’d like to shop with online or in-store.

Complete the purchase with Zilch Pay in 4 and you’ll pay just the first 25% of the total cost upfront, followed by three separate instalments that will be automatically debited from your account over a six week period, with no interest accrued.

Or, you might like to use Zilch Pay in 1, and cover the total cost of your purchase upfront. This way, you can earn up to 2% back on your purchase in Zilch Rewards.

For the majority of our retailers, you won’t pay any extra fees to check out with Zilch. However, if you can’t find your store of choice on our app or website, we also offer the option to pay a small fee and shop with Zilch Anywhere, available in any store that accepts Mastercard payments.

We’re fully transparent, and we’ll always let you know in advance whether you’ll be charged or not. Paying is secure and refunds are as simple as when you shop with a debit card.

* 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.