Make your home everything you want it to be, with flexible finance options available at Ponsford. Whether you're investing in new furniture or fine art, our finance options can help you spread the cost of your purchase.
We offer interest-free and interest-bearing finance options, subject to application, status and affordability. Explore the options below or speak to a member of our team for advice.
How to apply
Applying for finance is straightforward. Our team is on hand to guide you through the process, whether you're visiting us in store or making an enquiry through our website.
Choose your furniture or fine art
Find the furniture or fine art you love and decide which finance option suits your purchase.
Speak to our team
Visit us in store or contact us through our online live chat to discuss your options.
Complete your application
Our sales team will send you a secure application link to complete and sign on a handheld device or at home.
Finance is provided by V12 Retail Finance. Ponsford Ltd acts as a credit broker, not the lender. All applications are subject to satisfactory checks and approval.
Finance examples
To help you understand how our finance options work, here are two representative examples.
0% APR representative finance
| Order amount | £2,000.00 |
|---|---|
| 30% deposit | £600.00 |
| Finance period | 10 months |
| Representative APR | 0% APR |
| Rate of interest | 0% p.a. |
| Total amount of credit | £1,400.00 |
| 10 monthly payments | £140.00 |
| Total amount payable | £1,400.00 |
9.9% APR typical finance – 36 months
| Order amount | £3,000.00 |
|---|---|
| 30% deposit | £900.00 |
| Finance period | 36 months |
| Total amount of credit | £2,100.00 |
| Amount of interest | £320.89 |
| Repayments | 35 × £67.25 + £67.14 |
| Total amount payable | £2,420.89 |
The approval of your application depends on your financial circumstances and borrowing history. Finance is subject to age, status and affordability.
Who can apply?
To apply for finance, you must meet the following criteria:
- Be aged 18 or over at the date of application.
- Have been a permanent UK resident for three years or more.
- Meet one of the following employment criteria:
- In regular, permanent employment for at least 16 hours per week.
- Retired from regular employment.
- Not working through disability.
- Self-employed.
Meeting these criteria does not guarantee acceptance. All applications are subject to the lender's credit and affordability checks.
Frequently asked questions
Can I cancel my finance?
You can cancel your finance agreement before taking delivery of your goods. Please be aware that cancelling your finance agreement does not cancel your actual order with Ponsford. Full payment will still be required before you take receipt of your goods.
If you wish to cancel your finance agreement, please let us know as soon as possible. Email sales@ponsford.co.uk, stating your customer order number, or call 0114 255 0075 and ask to speak to a member of our accounts team.
Who provides the finance?
Finance is provided by Secure Trust Bank PLC trading as V12 Retail Finance. Ponsford Limited acts as a credit broker and not the lender.
How do I find out which option is right for me?
Our team will be happy to explain the available options and help you understand the costs and repayment periods. Speak to an adviser in store or contact us through our website's live chat.
Need a little more information?
Our team is happy to help you find the right finance option for your home.
Call us: 0114 255 0075
Email: sales@ponsford.co.uk
Or visit us in store and speak to one of our friendly sales advisers.
Further information
Ponsford Limited acts as a broker and not the lender and only offers finance from Secure Trust Bank PLC trading as V12 Retail Finance. Ponsford Limited is authorised and regulated by the Financial Conduct Authority, registration number 715908. Subject to age, status and affordability. Minimum spend applies.
Ponsford Ltd, 577–609 London Road, Sheffield, S2 4HS. Company registration number: 318991. Ponsford Ltd acts as a credit broker and not the lender.