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William & Sons can offer flexible finance options to suit you.

Please see below for our portfolio of three personal finance options.

We’ve teamed up with Barclays Partner Finance to offer a wide range of finance options. Finance is available, subject to application and status, on every single one of our furniture collections.

If you are interested in learning more, be sure to read this Flexible Finance Options page that provides more detail on the specifics of our finance. Alternatively, you can visit our showroom and speak to any member of the sales & sales administration teams who will gladly talk you through the options available.

Flexible Finance Options to Suit You


Who can apply for finance?

•  Applicant must be 18 years or over at the date of application
•  Permanent UK Resident – minimum 3 years
•  In regular, permanent employment working a minimum of 16 hours per week. (Including students)
•  Retired from regular employment. Minimum age 50
•  Not working through disability
•  Self-Employed
•  Armed Forces


Credit is provided subject to application and status. Terms & Conditions apply.

Our Flexible Finance Options

We currently have 3 Flexible Finance Options available at William & Sons:-

•  Option 1 0% Interest Free Credit   
•  Option 2 0% Deferred Interest Free Credit  
•  Option 3 Buy Now Pay Later

Please note that Options 1 & 2 are not available on our Clearance items.

For more information about these options, please see below:


Option 1 - 0% Interest Free Credit

35% Minimum deposit, Minimum Order Balance £400

Option 1 – 0% Interest Free Credit offers you flexibility and control, allowing you to choose your monthly repayment amount or loan length, meaning you can spread your repayments over 6 - 24 months, to suit your individual needs. What’s more, this option is interest free.

Please see the representative example below to see how interest free credit works. (The example is based on a typical spend).

Representative Example:

Item value (cash price)    
Deposit            
Loan period            
Representative APR        
Rate of interest        
12 monthly payment        
Payment start date       
Total amount payable    
£950.00
£ 350.00
12 months
0% APR
0% p.a.
£50.00
1 month from date of delivery or collection
£950.00


 

Order Value Over (months) Deposit Monthly Repayment
£650 6 £250.00 £66.67
£1000 12 £400.00 £50.00
£1500 18 £600.00 £50.00
£2000 24 £800.00 £50.00
 


Option 2 - 0% Deferred Interest Free Credit

35% Minimum deposit, Minimum Order Balance £500

Option 2 – 0% Deferred Interest Free Credit offers you flexibility and control, allowing you to choose a 12 monthly repayment period starting 6 months from date of delivery or collection to suit your individual needs. What’s more, this option is interest free over the whole 18 month period of the agreement.

Please see the representative example below to see how deferred interest free credit works. (The example is based on a typical spend).

Representative Example:

 
Item value (cash price)    
Deposit            
Loan period            
Representative APR        
Rate of interest        
12 monthly payment        
Payment start date       
Total amount payable    
£950.00
£ 350.00
12 months
0% APR
0% p.a.
£50.00
6 months from date of delivery or collection
£950.00
 

Option 3 - Buy Now Pay Later

35% Minimum deposit, Minimum Order Value £500

If you choose Option 3 our Buy Now, Pay Later option you will pay the cash price if you settle within the 6 or 12 month period. Please note there is no early settlement fee if you choose to pay this way.

— OR —

At the end of the Buy Now, Pay Later period you can choose to pay the balance with 36 monthly payments at an interest rate of 19.9% APR. Please note there is no early settlement fee if you choose to pay this way.

Please see the representative example below to see how much the finance could cost. (The example is based on a typical spend).

Representative Example:

 
Item value (cash price)    
Deposit            
Loan period            
Representative APR        
Rate of interest        
36 monthly payment        
Payment start date        
Total amount payable    
£950.00
£ 350.00
36 months
19.9% APR
19.9% p.a.
£23.49
6 or 12 months from date of delivery or collection
£1,195.64
 
 

WILLIAM COLE LIMITED T/a William & Sons act as a credit broker and not a lender. WILLIAM COLE LIMITED T/a William & Sons only offer products from Barclays Partner Finance.
 
Credit is subject to application & status. Terms & Conditions apply.


William & Sons, Merry Hill’s largest furniture superstore, Level Street, Brierley Hill, Dudley, West Midlands. Stylish, quality home furniture, leather sofas, fabric sofas, chairs, swivel chairs, accent chairs, tub chairs, stools, reclining sofas, reclining chairs, corner groups, dining & living furniture including dining tables, dining chairs, sideboards, cabinets, display units, home entertainment units, multi media units, storage units, bookcases, coffee tables, lamp tables, console tables, sofa tables, nest of tables, home office furniture, bedroom furniture, wardrobes, sliding door robes, chests of drawers, bedside chests, dressing tables, dressing stools, dressing mirrors, beds, divan sets, storage divan sets in single, small double, double, king size, super king size & zip & link sizes, bed frames in single, small double, double, king size, super king size, ottoman storage bed frames, childrens’ beds, bunk beds, cabin beds, sleep stations, hi sleepers, sofa beds, mattresses in single, small double, double, king size, super king size, accessories, lamps, mirrors, pictures. Stockist of leading furniture brands Alstons, Andrena, Ashwood, Baker Furniture, Bardi, Buoyant, Carlton, Charltons, Classic Furniture, Concorde, Exclusive, Furmanac, Furnico, Furniture Origins, Global, G Plan, Harrisons’, HTL, Julian Bowen, Kingstown, KT Furniture, Lebus, Mark Webster, Mi-Bed, Mi-Chair, Mi-Furn, Myer’s, One Call, Polo Divani, Rauch, Relaxateeze, Rest Assured, ROM, Silentnight, Softnord, Steffen, TCS, Ultra, Wade, Welbeck House & Zone. We’ve built up a solid reputation for providing an exceptional service to our customers and are always available to discuss your individual requirements and answer any questions you might have.