Spread The Cost...
Design Now, Pay Later

Call us on +44 (0)330 363 0330


Whether you’re planning an interior renovation or adding the final flourishes to your design project, make your dream interior space a reality with Houseology Interest Free Credit.

We’re making styling your home more affordable by allowing you to spread the cost over 12 months for non-discounted purchases of £1,000 or more (up to a total order value of £25,000.)

With a representative 0% APR, no arrangement fees and no hidden extras, completing your interior design scheme has never been more affordable.



Houseology Interest Free Credit is available when you spend £1000 or more (up to a maximum purchase value of £25,000) on selected Houseology designer lighting, homeware and accessories.*

(Cannot be used in conjunction with any promotions including sale items, special offers, gift vouchers or discount codes.)



Minimum amount of £1000 to a maximum amount of £25,000 over 1 year.

The 0% APR representative is subject to status and terms and conditions apply.* 

(Houseology Interest Free Credit requires a 10% customer deposit.)



Spend over £1,000 or more on selected Houseology furniture, lighting and homeware purchases.*

See a representation below of the minimum deposit and monthly repayment amounts you would pay for a product price of £1000:

Product price: £1,000
10% deposit required:  £100
12 monthly payments: £75
Total amount repaid:  £1,000

Terms and conditions apply – subject to status.*



If you are ready to arrange your payment plan, contact our Customer Service Team to apply for finance:

Call us on +44 (0)330 363 0330 – our team are available:

Monday to Thursday 8.30am – 6.00pm

Friday 8.30am – 4.00pm

Please note: If you call outwith these hours, please leave a message and we will get back to you the next working day.



To be considered for a Houseology Interest Free Credit application, you must:

  • Be aged 18-74
  • Be a UK resident for more than 12 consecutive months
  • Have your own UK personal bank account from which we can take a monthly direct debit
  • Have an email address so we can send your Credit Agreement documents
  • Be employed or self-employed or;
  • Retired or in receipt of disability living allowance or;
  • If you are not in employment, we will require a cohabiting spouse or partner who can provide valid employment details.



*To qualify for Houseology Interest Free Credit you are required to spend a minimum of £1,000 (up to a maximum amount of £25,000) on designer furniture, lighting and homewares purchased at www.houseology.com.

ID may be required for the finance application and Houseology Interest Free Credit acceptance is subject to status.

*Houseology Interest Free Credit cannot be used in conjunction with any promotions including sale items, special offers, gift vouchers or discount codes.

Repayments will be debited monthly via Direct Debit from your nominated bank account if your credit application is successful. Houseology Interest Free Credit repayment periods are for a term of 12 months on purchases over £1,000 (maximum spend of £25,000)

Consumer credit service is provided by Deko, a trading name of Pay4Later Ltd who act as a credit intermediary. Deko is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please go to www.dekopay.com/faq or visit www.dekopay.com.

Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.

We also do not accept applications from Trade Customers or customers residing outside of the UK and Channel Islands.