You pay for the furniture not the credit.

Up to 36 Months Interest Free Credit is available on all orders over £600. All we require is at minimum a 20% Deposit. Just Select Interest Free Credit at checkout to view your options. You'll be guided through checkout and asked to confirm your deposit and repayment period, and will be provided with your estimated monthly payment value.

If you wish to continue with this proposal, continue through checkout and you will be directed to our Interest Free Credit Providers Website (V12 Retail Finance) to complete your credit application.

Your order will only be confirmed once the credit application has been accepted.

Payment Term Minimum Spend Minimum Deposit (20%) Minimum Monthly Payments (0% APR)
6 Months £600 £120 £80
10 Months £1,000 £200 £80
12 Months £1,200 £240 £80
18 Months £1,800 £360 £80
20 Months £2,000 £400 £80
24 Months  £2,400 £480 £80
30 Months £3,000 £600 £80
36 Months £3,600 £720 £80

The Small Print

*Interest Free Credit is available on all orders with a value over £600. 0% interest free credit is available to UK residents aged 18 and over and is subject to application, financial circumstances and borrowing history. Terms & conditions apply. Please ask for details.

All we require is a minimum 20% deposit.

Stokers Limited (trading as Christopher Pratts) acts as a credit broker and not a lender and only offers credit products from Secure Trust Bank PLC t.a V12 Retail Finance.  Registered in England and Wales 4585692.  Authorised and regulated by the Financial Conduct Authority. 

Registration number: 679653. Address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. 

Stokers Limited a company registered in England and Wales 00307357.  Registered office: 277 Wennington Road, Southport, PR9 7TW.  Stokers Limited is authorised and regulated by the financial Conduct Authority, Registered number 659365.

Not all products offered by Secure Trust Bank (t.a V12 Retail Finance) are regulated by the FCA.

If you are dissatisfied with our response, and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Finance Ombudsman Service, free of charge, but you must do so within six months of the date of the final response. Further information and contact details can be found on

Credit provided subject to status.