Interest Free Oak Furniture with 0% Finance and Interest Bearing 9.9% Finance Available*
*(APR Representative.)
Make your house a home by filling it with the furniture you love.
House of Oak offers you the chance to purchase all of your Oak Furniture with our 0% finance schemes or Interest Bearing 9.9% Finance schemes.
Discover our extensive range of Oak furniture available with 0% finance here at House of Oak. Whether it is rustic charm or timeless, traditional pieces you are looking for, we have everything to suit you and your home.
Depending on the size of your order, a 6, 9, 12 and 18 month 0% finance contract can be offered or a 24, 36 an 48 month 9.9% finance contract can be offered. All we ask for is a 10% deposit of your full payment amount and then your monthly finance payments for your furniture can begin.
Please note that there is a minimum spend of £850 to qualify for our oak furniture 0% finance package and a minimum spend of £ 500 to qualify for our 9.9% interest bearing finance package.
We offer support throughout the payment process and will happily answer any questions that you may have about our oak furniture finance schemes.
The credit advertised is provided by Novuna Personal Finance. Novuna Personal Finance is a division of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.
What types of credit options are available?
We offer both 12 and 18 month oak furniture 0% finance options and 24, 36 and 48 Interest bearing 9.9% finance options so that you can choose a payment plan that suits you and your needs. Use our payment checker below to help you to know which payment option will suit you best.
What information do you need from me?
For a decision on your oak furniture finance credit plan you will need to provide us with your personal contact details, residence, employment and bank details (including bank account number and sort code). Having this information to hand will speed up your application.
Is there a minimum order value to be eligible for the oak furniture finance scheme?
We require a minimum spend of £850 to be eligible to apply for our oak furniture 0% finance plans and credit options and minimum spend of £500 to be eligible for our 9.9% interest bearing finance plans and credit options.
| I'm looking to spend: £ | |||
| Price | Deposit | Period | Monthly Cost |
| 10% | 18 Months | ||
| 10% | 12 months | ||
| Example of a 12 month interest free credit | |
| Our interest rate is fixed at 0%. | |
| Cash Price | £1000 |
| 10% deposit | £100 |
| Amount of Credit | £900 |
| Payable by 12 monthly payments of | £75.00 |
| Total amount payable | £1000 |
| 0% APR representative | |
| Example of a 24 month interest bearing credit | |
| Our interest rate is fixed at 9.9%. | |
| Cash Price | £1000 |
| 10% deposit | £100 |
| Amount of Credit | £900 |
| Payable by 24 monthly payments of | £41.31 |
| Total amount payable | £1091.44 |
| 9.9% APR representative | |
For a list of frequently asked questions about online finance, click here.
The credit advertised is provided by Novuna Personal Finance. Novuna Personal Finance is a division of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.
Complaints
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows:
Phone: 01484 865042
Email: info@houseofoak.co.uk
Address: 195 Wakefield Road, Scissett, Huddersfield, West Yorkshire, HD8 9JL, United Kingdom
If your complaint relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna (previously Hitachi Capital). Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
What to do if you can't reach an agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.
They can be contacted in the following ways:
- Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
- Telephone: 0300 123 9 123
- E-mail: complaint.info@financial-ombudsman.org.uk