V12 Retail Finance Furniture, Sofas & Beds


Interest-free furniture finance is available on our range of sofas, beds, mattresses, dining and living room furniture through V12 Partner Finance. You can spread the cost of your furniture over a fixed term from 12 months to a maximum of 5 years. Interest-free credit is available over 5 years, however, a 45% deposit is required on orders over £2000.

Choose a term that suits you with a 12, 24, 36, 48 or 60 - month agreement

Contact us on 0800 254 0900 or email us at online@fabbfurniture.com


Spread the cost of your new furniture, bed, sofa, and mattresses using our 0% APR finance payment options and find a monthly cost that suits your budget. See our furniture finance guide below for more help and advice on prices.

Who can apply for furniture finance?

To be eligible to apply for finance you must:​

  • Be at least 18 years of age​
  • Have been a UK resident for at least 3 years
  • Have a debit or credit card in your name, registered to your address in order to cover deposit (if applicable)​
  • Have a Bank or Building Society current account available (you’ll need this in order to complete direct debit instruction)​
  • Be in regular employment* including self-employment, or in a permanent residence with your spouse/partner who is in regular employment, or be receiving a pension or a disability benefit​

How can I apply?

To apply for finance you must:

  • Select ‘V12 finance’ as your payment method in the checkout. With all finance offers subject to acceptance.
  • Previous address if you’ve lived in your current home for less than 3 years
  • Have been a UK resident for at least 3 years
  • Bank details (bank details, sort code and account number)
  • Email address and contact telephone number​
  • Your daytime and/ or your evening phone number and your work number – one of which must be a fixed landline telephone number
Spend 12 Months 24 Months 36 Months 48 Months *45% Deposit Required 60 Months *45% Deposit Required
£500 £41.66 £20.83 £13.88 N/A N/A
£1000 £83.33 £41.66 £27.78 £11.46 N/A
£1500 £125 £62.50 £41.67 £17.19 N/A
£2000 £166.66 £83.33 £55.56 £22.92 £18.33

Buy Now Pay Later

12 Months Interest Free + £29 Settlement fee if fully paid within the 12 month deferral period. Or an interest rate of 9.9% will be applied if not paid in full within 12 months. A years interest plus 30 days will be charged. An additional 48 / 60 months available after the first 12 months at 9.9% interest.

  • Spread the cost with buy now pay later finance available online and in-store.
  • The buy now pay later finance option allows you to spread the cost of your purchase over your chosen term with an agreed non-payment period.
  • If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest but will pay an early settlement fee which is displayed at the start of your application and in your credit agreement.
  • If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term with interest charged at the rate set out in your credit agreement. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live.
  • Only available to UK residents over 18, subject to terms and conditions, minimum spend applies. To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.

12 Month No Deposit & Interest Free + 60 Months Finance Example

No Minimum Spend & No Minimum Deposit
£1000 (example)
12 + 60 Months
£13.88 Per Month for the first 12 months
Pay off In 12 Months = Early Settlement fee £29
Total you pay £1029

Pay over an additional 60 months
12 months worth of interest plus 30 days charge = £128.70
Then £18.18 Per Month for 60 months at 9.9% interest
Total you pay £1219.60

Who can apply for finance?
Finance is subject to status, financial circumstances and borrowing history. You must be aged 18 or older, in permanent UK residence with a fixed income. Minimum order value for finance is £500.
How do I apply online?
Add the products you would like to purchase to your basket and proceed to checkout. Under the payment method section choose 'Pay with 0% finance'. Select the terms you would like to apply for, continue to V12 Retail Finance and complete the application process. Once you have an accepted agreement then you will be able to complete your order on the Fabb Furniture website.
Why can I not get to the application stage of your checkout?
To apply for finance we'll need to redirect you to V12 Retail Finance. This is done via a pop-up and your browser must allow pop-ups in order to continue.
How quickly will my application be accepted?
A decision will normally be made within a couple of minutes. Under rare circumstances your application may need to be reviewed further by V12 Retail Finance who will notify you by email once a decision has been made.
Can I cancel my finance agreement?
There is a 14 day cooling off period from the time your application has been accepted. To request cancellation of your agreement please contact V12 Retail Finance within this time and quote your agreement number. If you would like to request cancellation of your order after the 14 day cooling off period then please email sales@fabbfurniture.com
Once my application is accepted, what happens next?
You will need to return to the Fabb website to complete your order. Once you have an accepted finance application you will be able to proceed through our checkout, pay any deposit you have chosen to make, and submit your order. We will aim to deliver your order within the estimated delivery time but no earlier than 14 days from your application being accepted.
When will my monthly repayments start?
Monthly repayments will commence once you have taken delivery of your order.
Can I apply for finance over the phone?
Yes you just need to give us a call on 0800 254 0900 and speak to a member of the sales team.
Will I receive a copy of my agreement paperwork?
Yes, once your application has been accepted you will be able to download a copy of your agreement.