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Sofa on Finance

your ultimate one-stop-shop for sofa finance in UK

Get the sofa of your dreams to compliment your space and make your interiors functional, stylish, yet comfortable with loans you can find with LoanTube.
LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.
LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.

Your loan requirements

Comparing won’t affect your credit score.

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 79.5% APR

Find a Sofa Loan up to £35,000

Borrow Funds for 12-84 Months

Get Sofa on Credit

What is Sofa Finance?

A sofa is what makes your living space what it is. It often is the most important element of your interior and perhaps one that requires the most thought. It is where you unwind at the end of the day. It often is the most comfortable spot in your home.
However, sofas and couches are often super pricey and can throw you off your budget. But, that doesn’t mean that you have to settle for a sofa that you don’t absolutely love. There are ways of sofa finance that can help you buy the sofa or a couch that will make your space complete.
Buying your sofa on credit and getting a loan as a means of sofa finance is an excellent way to help you make a big-ticket purchase. Unsecured home improvement loans for sofa purchases let you get your sofa and then pay for it in instalments that are convenient to you. You have more control over your repayments when you select a loan term and amount that match your financial situation.

How much can I borrow for Sofa Finance?

Crunching numbers was never this easy – check your affordability at the click of a button. Secure your future by making an informed financial decision.

Calculate monthly payments

What is the purpose of your loan ?
How much do you wish to borrow?
What repayment term would you like to choose ?

Representative Example

Loan Amount


Loan Term

18 Months

Total repayment


Monthly repayment





59.97% p.a (fixed)

*The rate you get will depend on your individual, financial circumstances. Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk.

Find the Sofa Finance option that works best for you


Tell us how much you need, for how long, and for what purpose.


We find you the loan offers you qualify for from multiple lenders.


Select the loan that best matches your circumstances, and Get Funded.

Why choose LoanTube?

You can’t put a price on happiness, but it doesn’t have to burn a hole in your pocket.

We've partnered with the best in the business

Offers from highly reputed FCA – certified lenders to help with your financial needs
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What is sofa finance?

Simply put, sofa finance is when you buy a sofa on credit or use a loan to finance your sofa purchase. It refers to borrowing money from a lender to buy a couch or other furniture. Then, until the sofa is fully paid for, you will make weekly or monthly instalments to repay the loan depending on the loan you choose.

How does sofa finance work?

When purchasing anything with financing, credit checks are typical. The majority of lender banks and companies carry out these checks to make sure that you can afford the payments and have the resources to meet payment deadlines.


Your sofa loan will be approved once the lender is assured that its money is secure in your possession. And it is majorly dependent on how good your credit score is (along with other factors). But don’t panic if that is not an area where you excel. There are still certain businesses that give their consumers the possibility to finance a sofa even if they have bad or no credit.


Upon approval, before the disbursal of your loan amount, you will typically be required to sign an agreement sheet. It will outline all of the financial specifics. Monthly payment costs, interest rates, the length of the term, and any other pertinent information will be included in this document.

Who is eligible for sofa finance?

It’s not very demanding to be eligible for a sofa loan. You need to abide by the requirements of the firm offering the financing to apply. This typically entails being older than 18, having a regular source of income, being a UK resident for a considerable time, and demonstrating your ability to make repayments.

How do I cancel my sofa finance account?

You will need to check with your lender. Some lenders allow you to pay off your loan in one go without any fees, so if you have money saved up, you can get rid of your loan in one go. 

What are the benefits of sofa finance?

The main benefit of sofa finance is:


Financial Support

You can get the sofa you want without breaking or putting too much stress on your finances. It helps you manage your money better and control how you make payments. You can choose the terms that match your situation. 

Some other benefits, depending on the lender are:


No Interest

Many companies offer you sofa loans without interest for up to 4 years. That should be sufficient time to pay for your sofa.

No Down Payment/Deposit

Many lenders allow you to finance the purchase of sofas with no down payment or deposit. You won’t have to put money down for a down payment before you can buy a sofa. Instead, all you’ll have to worry about is making your weekly or monthly payments on time.

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We do not sell your data, unsolicited, with any third party firms. Find your match with LoanTube without risking your data – Apply for home improvement loans with confidence.

Representative APR Example

The rate you are offered will depend on your individual circumstances.

Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.

Some of the offered loans might be classed as High Cost Short Term Loans. APR rate starts from 18.22%. The maximum APR rate is 1721%, but you will get a personalised rate tailored to you. The minimum repayment term is 3 months, the maximum repayment term is 7 years. The minimum loan amount is £250 and the maximum loan amount is £35000.

Warning: Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk

Credit subject to status & affordability assessment by Lenders.

LoanTube is a credit broker and not a lender.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means LoanTube does not charge customers a fee for using its introducer services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by LoanTube.

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