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Interest Free Finance


Visitors to our stores can take advantage of our 0% finance or Buy Now Pay Later payment options. Below are just two examples of how our finance options work.

How Our Finance Works


0% Interest Free Example

Beachcomber dining table, 4 chairs and a dresser
Total Price
Deposit 20% (optional**)
Charge for credit
Balance to pay
10 Monthly Payments
Annual Rate Of Interest 0% PA ( Fixed)
Representative APR 0% APR

Buy Now pay Later Example

Vermont Kingsize Bed, 2 bedsides, Double Robe and 5 Drawer Chest
Total Price
Deposit 9% (optional**)
Total Charge for Credit
Balance to be paid
Total amout payable
42 Months
36 Month Payments
Annual Rate Of Interest 29.8% P.A (Fixed)
Representative APR 29.8% APR


Remember if you repay the credit amount, in full, during the 6 month deferral period of the agreement you will pay NO interest or charges. You will only pay the balance payable after the deposit.

**Deposits are not essential, but the larger your deposit; the smaller your monthly payments become**

Things you will need to know to apply for finance at Scartop

 Applicants must be:

  • 18 years or older
  • be in full time employment
  • UK resident for three years or longer
  • Able to pay by Direct Debit

You will need to bring with you:
Proof of address and previous address (if at the current address for less than three years)
You will need to provide us with your personal contact details, employment and bank details (including account number and sort code)

All orders for Furniture over £300 qualify for 0% finance or Buy Now pay Later

The credit advertised, subject to application & status, is provided by one external credit provider