Pay-Monthly Sofas

Rent-to-own, also known as rent-to-buy, is a type of borrowing called hire purchase. You receive the sofa straight away, but you do not own it until all payments have been made in full. If you fall behind with payments or experience financial difficulties, it may be possible to return the sofa to the lender, Family Finance. They also have the right to repossess the goods if payments stop. These agreements include protections, such as limits on interest so the total amount payable never exceeds double the cash price, including delivery or related charges. Prices are benchmarked against other retailers to ensure they are competitive.

Yes, instalments can typically be arranged weekly or monthly, depending on the agreement offered. The repayment frequency, instalment amount, and total payable figure will be shown during the enquiry process before you commit.

Repayments are made in regular instalments using the payment method agreed when your finance is set up. Payment options can include standing order, Continuous Payment Authority, debit card, cash, or bank transfer. Your agreement will confirm whether repayments are weekly or monthly, along with the full schedule.

The first repayment is usually due within one month of receiving your sofa. If weekly instalments are arranged, payments may begin sooner. Your agreement will clearly outline the start date and repayment plan.

Sofas are offered through rent-to-own hire purchase agreements provided by the lending partner, Family Finance. Agreements typically run over one to three years, depending on your circumstances and the affordability assessment. Repayments may be set up weekly or monthly.

You can still apply. Each application is assessed individually and includes an affordability check. Having bad credit does not automatically mean you will be declined.

You can still enquire, but approval depends on an affordability assessment. Family Finance will review your circumstances to determine whether repayments are affordable.