Select currency USD

interest free finance

Woolroom have teamed up with multi-award winning technology company Duologi to offer you a range of interest free instalment plans when you spend £400 or more with us on qualifying products.

The application process is simple, takes around 5 minutes to complete and is done online with a decision being made within just 30 seconds of completion.

Should you decide to take advantage of our 6, 9 or 12 month Interest Free instalment plans, you can sleep soundly (pun absolutely intended) knowing that there are absolutely no hidden charges...

finance examples

Am I eligible for finance?

Applying for an instalment plan is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have good credit history (no late payments, CCJ's etc) - and meet the following criteria:
  • Be a UK resident
  • Be over 18 years of age
  • Have 3 years of UK address history
  • Be working at least 16 hours per week
  • Have a valid phone number and email address
  • Delivery must be made to the address that was submitted as part of the finance application

I have a question

You may find the answer to your question in the below FAQs. If not, don't hesitate to get in touch by emailing [email protected], or by calling 01780 461217. A member of our team would be happy to assist.  

Finance FAQs

As part of the finance application, you'll be required to provide personal information such as name, age, address, occupation and income. Information is then taken from credit reference agencies to determine whether you're accepted for finance.

A decision is made on almost all finance applications within just 30 seconds. On occasion, a finance application will be referred and you may need to be able to provide more information, such as a copy of a recent utility bill.

We use Duologi as our technological partner for finance. They facilitate the finance agreement, but the lender is Omni capital.

Though you will not be provided with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Eligibility (under 18, not a UK resident, etc);
  • Not enough credit experience (only had their first credit card 6 months ago);
  • Affordability (lenders must follow the lending code to act responsibly);
  • Negative credit file information (Even a parking ticket you are unaware of can end up leaving a default on your credit file).

You can certainly re-apply for finance, but we'd recommend you wait 6 months as every failed application can be detrimental to your overall credit rating.

You can take advantage of finance on all beds, mattresses, bedding and bedlinen items when spending over £450. We reserve the right to refuse finance on items that are discounted.

Due to the nature of finance applications, we can only deliver to the address used when applying (home address).

In order to change your order, we'd need to cancel your order and reprocess it as a new application. This can be done successfully with your initial application providing the value of the goods does not increase. Should you wish to upgrade/add to your order then a new application would be needed.

Unfortunately not. Until your finance application has been approved, the goods are not allocated to your order. If the goods you've purchased do become out of stock between filling in your application and it being approved, we'll offer you an alternative or cancel your agreement so you can re-apply.