Cousins Furniture Easy Payment Options: How Can I Pay For My Furniture?
At Cousins Furniture we understand the importance of offering choice, quality and value, both when you shop in-store and online with us. As the largest independent family-run retailer in the Midlands, Cousins has everything you’ll need to furnish and accessorise your entire home in a style and price you’ll love.
Easy Payment Options
Cousins furniture offer a wide variety of living, dining, and bedroom furniture.
Our Customers have a variety of different payment options to choose from, including: payment in full, with a deposit, or with one of our credit options including no deposit and interest free.
Pay In Full
For some customers it’s more convenient to pay in full and upfront. That way there’s no worry whilst you wait for your order to arrive. Once in stock, we can then quickly schedule delivery with you.
You can pay in full online, in-store, or over the phone. We accept cash, cheque, most credit and debit cards, or you can choose to pay via a bank transfer.
At Cousins, you can order online with just a small 25% deposit, and not pay the remaining balance until the items are in stock and delivery is arranged.
The best way to use the deposit option is to add your chosen furniture to your shopping basket, and then to select the ‘pay by deposit’ option during the checkout process. If you are not yet registered with us, we’ll ask you to create an online account with us.
The 25% deposit is calculated off qualified items only- so the basket value must have a minimum value of £200 (excluding the delivery cost) and each item must have a lead time of at least 14 days. After placing the order with Cousins you’ll shortly receive a confirmation email along with details of when the next payment is due and when this will need to be paid by.
You can log into your account at any time to pay the remaining balance online. If your item is in stock and ready for a quick delivery, we may also contact you directly for the remaining balance so that we can schedule this for you.
Using the deposit option is ideal for customers who want to place a small amount down so that we can order the furniture for you. You’re committed to the order, but want to save up for the final amount whilst you wait for the goods to be manufactured and shipped.
Click here to visit our Help and FAQ section about Deposits.
Finance Options
Alternatively, you may be a customer who makes one big purchase for their home in a year, or you have other financial commitments. Perhaps you are in the middle of moving house, or are putting money aside to save for holidays or your children’s university support. If so, more frequent and smaller payments may be a more suitable payment option for you.
We have different types of finance options available throughout the year to help you spread the cost, including: Instant Interest Free Credit, Deferred Interest Free Credit, and Buy Now Pay Later.
Instant Interest Free Credit
A deposit is placed and the remaining balance of your furniture is spread evenly across the chosen term. There is no interest on this type of finance.
This is ideal for customers who want to spread the cost without any further interest raised during this process. They are also ready to start paying back in smaller payments immediately.
Deferred Interest Free Credit
This is similar to the finance option above, however there is a Deferred period in which the customer does not pay any money. After the agreed Deferred period ends, the customer begins to pay back the loan, the cost of the goods is then spread evenly across the term interest free.
This suits customers who need some time to save up first before then paying back in smaller instalments.
Buy Now Pay Later
In this type of finance application the customer puts down their chosen deposit and has nothing to pay for the pre-agreed Deferred Term. If the agreement is settled before the end of the Deferred period there is nothing further to pay. If however the customer continues the loan beyond the Deferred period, the cost of the goods is then spread evenly across the term of the loan at the pre-agreed APR.
This type of finance works for two types of customers; those who can save up and pay the final balance before the end of the Deferred period, and those who would like to continue paying back after the Deferred period in smaller payments.
Please consult with our friendly and expert Sales Advisors to learn which finance option is available at this time.
Credit is subject to availability, changes and credit approval. Cousins Furniture Stores Limited is a credit broker and is Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Hitachi Personal Finance. The register can be accessed through http://www.fca.org.uk.
Price Promise Guarantee
We know how important price is when it comes to shopping for furniture. We’re a family business and the Shotton family are also the buyers for Cousins, carefully selecting our collections for quality and design. To this end, the family do their utmost to ensure that we sell at the most competitive prices and continuously check the prices of our competitors.
If however you are able to source the exact same product from another retail store that is cheaper, we will match the price, along with the same delivery service and payment method.
If you have any questions about our payment or current finance options please do not hesitate to use our intuitive Live Chat system or Contact Us.