Finance Options
Flexible Finance Options
Spread the cost of your dream sofa with 0% interest payment plans.
Available at checkout — no lengthy applications.
How It Works
Browse & Choose
Find your perfect sofa and add to basket.
Go to Checkout
Select Klarna or Shop Pay as your payment method.
Pick Your Plan
Choose the instalment plan that suits your budget.
We Deliver
Your sofa is made and delivered while payments run automatically.
Example Repayments
Illustrative example on a £1,500 sofa — all 0% interest.
| Plan | Provider | Monthly Payment | Total Payable |
|---|---|---|---|
| Pay in 3 | Klarna | £500.00 | £1,500.00 |
| 3 months | Shop Pay | £500.00 | £1,500.00 |
| 6 months | Shop Pay | £250.00 | £1,500.00 |
| 12 months | Shop Pay | £125.00 | £1,500.00 |
Frequently Asked Questions
Do I need to apply in advance?
No application needed. Simply select Klarna or Shop Pay at checkout and complete the quick eligibility check in seconds.
Will it affect my credit score?
Both Klarna and Shop Pay perform a soft eligibility check which does not impact your credit score.
Can I pay off early?
Yes — you can settle your balance early at any time without any extra charges or penalties.
Is there a minimum order value?
Klarna Pay in 3 is available on orders over £35. Shop Pay Instalments is available on orders over £100.
Who provides the finance?
Klarna Bank AB (publ) provides the Klarna finance. Shop Pay Instalments is powered by Affirm.
What if I return my sofa?
If you return your sofa under our returns policy, your remaining payments will be cancelled and any payments made will be refunded.
Ready to Find Your Perfect Sofa?
Browse our full collection and spread the cost with 0% interest finance.
Shop All SofasSubject to eligibility. Finance provided by Klarna Bank AB (publ) and Affirm (via Shop Pay). Haus of Lux is not a lender or credit broker. Terms and conditions apply. UK residents only.