0% Financing FAQ’s


Spread the cost with our interest free finance available online and in store. Our simple finance options allow you to spread the cost of your furniture from 6 to 24 months.
ALL YOU NEED TO DO IS:  Spend a minimum £500 and up to a maximum of £5,500 online or instore to have the option of 0% fiance, Then simply pay a 10% deposit during the application process and the rest will be spread over your chosen finance term.
You can pay a larger deposit (obviously the higher the deposit the less your monthly repayments will be), simply call our sales team on 01629 704704 or email sales@authenticfurniture.co.uk and we’ll send you a bespoke application link tailored to your wishes.
We offer various simple finance options to help you spread the cost of your purchases:-
  • 6 months interest free finance on orders between £500 and £5,550
  • 12 months interest free finance on orders between £500 and £5,550
  • 18 months interest free finance on orders between £500 and £5,550
  • 24 months interest free finance on orders between £500 and £5,550
  • 12 months finance at 4.95 interest on orders between £5500 and £25,000
  • 24 months finance at 4.95 interest on orders between £5500 and £25,000
  • 36 months finance at 4.95 interest on orders between £5500 and £25,000
  • 48 months finance at 4.95 interest on orders between £5500 and £25,000
The table below shows you how much monthly repayments will be based on the total order value.

Representative Example:

  • Cash Price £2000.00
  • Deposit £200.00
  • 0 % APR representative
  • Interest rate 0% fixed
  • Number of Payments: 24
  • Monthly Payment: £75.00
  • Total Amount payable £2000.00


Just select the finance option on the checkout page or let one of our sales team know if you’re buying in our showroom or over the telephone.


To apply for 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 Eire. Homemakers aren’t excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.


Your monthly repayments can begin as soon as delivery of goods is made. Authentic Furniture reserve the right to claim finance orders up to 3 weeks prior to delivery of goods.


No. There are no arrangement fees or hidden extras.

Credit subject to status and affordability. Terms & Conditions Apply. Derwent Furniture Ltd t/a Authentic Furniture are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Derwent Furniture Ltd t/a Authentic Furniture acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ).

Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply. Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.


When you buy online from Derwent Furniture Ltd t/a Authentic Furniture you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to Pay by 0% Finance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Applying for online finance couldn’t be easier or more convenient. Once you’ve chosen the products you’d like to purchase, simply complete a brief online application form accessed via the ‘checkout’. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.


Here’s some of the most commonly asked questions regarding online finance.

  • A: Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. 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 Derwent Furniture Ltd t/a Authentic Furniture will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF 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 credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Klarna Bank AB (publ).

  • A: 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.

  • A: 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 (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
  • A: 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.

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

    • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
    • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
    • Consumer Services, Callcredit Limited, 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.

  • A: 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.

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

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