Finance
Choose best for yourself
Installment
Up to 12 months 0% Free Finance
- Available for orders above £500
- Fast approval
- Apply online during checkout
Finance
Up to 2 years interest-free finance
- Available for orders over £500
- No additional fees
- Apply in store only
Have a question?
Requirements for applying
- You must be between 18 and 82 years of age.
- Resident of United Kingdom for a minimum of 3 years.
- Employment status: Full-time employment (16hrs+ per/wk), part-time employment (up to 16hrs per week), self-employed, retired, in receipt of Disability Allowance or homemaker and have an individual gross income of £10,000 or more (or joint income if married/living with partner/in a civil partnership)
- Have a bank account that supports direct debit.
- Have a valid Passport, UK Driving Licence or current Electric Bill.
- Have a mobile telephone.
- Have an email address.
- Valid UK Driving Licence - full or provisional photocard version.
- Valid Passport - UK or international.
- Current Electricity Bill - dated within the last 3 months displaying the applicant's name and address.
You can purchase any furniture product on our Finance. We do not finance home accessories.
Yes, all our furniture offers can be bought on finance.
Credit and repayments
The minimum credit amount that can be applied for is £500 and there is no maximum amount.
For orders between £500 and £1499 repayments can be over spread over 6, 9 or 12 months.
For orders over £1500 repayments can be over 6, 9, 12, 18 or 24 months
The finance is 0% interest free finance and no additional fees are charged. Late payment fees and missed payment fees may apply.
Standard stock items do not require a deposit when using our finance options. Custom orders or made to order items (like sofas in the fabric of your choice) require a 20% deposit. Any deposit paid is deducted from your order total and the the amount on finance will be the balance of your order.
Repayments do not start until after delivery.
The first payment is always displayed as 30 days* after the date of proposal.
If the goods are delivered within 20 days of the date of proposal, then your first payment date will remain as shown on your loan agreement.
If the goods are delivered within 21 days or more after the date of proposal, your first payment date automatically defaults to the same day of the next available month.
For Example.
Your first payment will not be taken until you have received your goods.
Yes you can make additional payments with a debit card or settle your account early by calling 00 44 3714028905 or by visiting managemyaccount.creation.co.uk/Pages/Gateway.aspx and creating an online account with Creation.
Representative example:
£1,500.00 credit over 24 months. 24 monthly repayments of £62.50. APR is 0%. Total interest is £0. Total amount repayable is £1500.
About the Finance Provider:
The finance provider is Creation. If approved for finance, it can only be used in our Crescent Link store. Finance applications are made via an online portal provided to us by Creation. Creation will first perform an eligibility check by sharing your details with credit-reference agencies. This check will not affect whether you can get credit in the future. If you pass the eligibility check a full credit check will be performed and this will show on your credit report. Creation charges late payment and missed payment fees which are subject to change. If you do not pass the eligibility check or if you are declined finance you will be provided with details on how Creation make their decisions. Your monthly payment and the term of the agreement are set and cannot be changed but addition payments can be made.
What you Need to Know:
EZ Living Furniture is a trading style of EZLiving Furniture (Northern Ireland) who are authorised and regulated by the Financial Conduct Authority (FCA No 966063). We act as a credit broker, not as a lender for the introduction to a limited number of finance providers. Our registered office is 6b Upper Water Street, Newry, Co Down, BT34 1DJ. Applicants must be 18 or over. Finance is subject to status and income. Late payment fees and missed payment fees may apply. Minimum spend, lending criteria and terms and conditions apply. Borrowing more than you can afford or paying late may adversely affect your financial status and ability to obtain credit.
