FW Homestores has made stylish furniture more accessible than ever before –with a great interest free finance Package allowing you to spread the cost.


You don’t have to compromise on the furniture that you have in your home as we provide an easy to use finance solution.

Q. How much can I spend?

A. The minimum order value for Interest free credit is £500, please see grid for further details:

Order Value Over (Months) 20% Deposit Monthly Payments 10% Deposit Monthly Payments
£600 12 £120.00 £40.00 £60.0 £45.00
£900 12 £180.00 £60.00 £90.0 £67.50
£1,000 24 £200.00 £33.33 £100.0 £37.50
£1,300 24 £260.00 £43.33 £130.0 £48.75
£1,600 36 £320.00 £35.56 £160.0 £40.00
£2,200 36 £440.00 £48.89 £220.0 £55.00


Q. How do I choose to pay by interest-free credit?

A. Add items to your basket and proceed to checkout. Choose ‘0% APR Finance (Deko)’ from the Payment Method in the check out. Then click apply for finance.

Q. Is there a deposit to pay?

A. Yes. The deposit is flexible; you can pay 10%, 20% or 30%.

Q. How long is the repayment period?

A. That depends on how much you spend. When buying online the options will appear as you proceed to the checkout. If buying in store or over the phone, our sales consultants will let you know your options.

Q. When do my repayments start?

A. Your monthly repayments will begin once your furniture has been delivered or collected.

Q. Are there any arrangement fees or hidden extras for credit?

A. No. You won’t pay a penny more than the price of goods advertised.

Q. When can I apply for finance?

A. You can apply for 24 hours a day, 7 days a week directly through our website. You can also apply for finance in store.

Q. Am I eligible for finance?

A. In order to apply for finance you must:

  1. Be at least 18 and under 75 years of age.
  2. Be either employed for more than 16 hours per week, self-employed, a house person, retired and over the age of 50, or in receipt of an invalidity or disability allowance.
  3. Have been a UK resident for 3 years or more.
  4. Be able to make payments by direct debit.
  5. Be able to provide your previous address if you have lived at your current address for less than 3 years.


Q. What information do you need from me?

A. For a decision on your finance application you will need to provide us with your personal contact details, residence, employment and bank details (including bank account number and sort code).

RateSetter is the trading name of Retail Money Market Limited (Company Number 7075792). RateSetter is authorised and regulated by the Financial Conduct Authority (FCA) with the reference number 633741. RateSetter is not covered by the Financial Services Compensation Scheme. Its registered office is at 406 Great Guildford Business Square, 30 Great Guildford Street, London SE1 0HS. For more information please visit