Pay Later For Indoor & Garden Furniture

Style now, pay later

At Furniture Maxi, we believe beautiful homes should be accessible to everyone - that’s why we offer easy repayment options through trusted providers that’ll allow you to get the styles you want now and spread the cost over time. Payments are interest-free, so whether you’re grabbing indoor or rattan furniture, there are no hidden fees. Plus, we’ve teamed up with three repayment providers so you can choose the repayment schedule and set-up that works best for you.

How it works

No matter if you’re grabbing sofas or outdoor furniture, setting up a repayment plan at checkout is simple.

  1. Add to cart - Simply add your new furniture to your cart and when you’re ready, begin the checkout process
  2. Select your pay later option - Choose from our options as your payment method, then fill out your details with the provider as needed
  3. Pay your first instalment - In most cases, you’ll pay your first instalment up front, then the remaining payments per the agreement with your provider
  4. Enjoy your furniture! - Now it’s time to sit back and enjoy. You’ll receive your furniture as you would if you’d paid everything up front - easy!

Our buy now, pay later options


Klarna lets you order items from Furniture Maxi with the option to either pay later (within 30 days) or slice the payment into three smaller parts, though the latter is only available in certain circumstances. There’s no interest or penalty fees if you’re in the UK and fall behind on your payments, though it may affect your credit score. If you choose to pay in three instalments, you’ll pay the first when your order is confirmed, and the next in 30 days.

Klarna Disclosure: Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply. Please spend responsibly. 18+, T&Cs apply. Tap the link for more info.


Clearpay lends customers a fixed amount of credit to make purchases from Furniture Maxi instantly, and then pay for them over four instalments every two weeks. You’ll need to make your first payment at the time of purchase, and the total transaction must be between £35 and £800. There’s no interest, though late fees apply.


DivideBuy offers interest-free credit on Furniture Maxi purchases between £50 and £6,000. You can choose to spread repayments between two and 12 months, and a set payment is taken automatically, with the first one given up front when you purchase your new furniture. There’s no interest, but late fees may apply. While DivideBuy does run a credit check before you can use their service, you can check your eligibility beforehand in a way that won’t affect your credit score.


Pay over time options



Late fees?




Pay Later
Pay in 3
Spread the Cost

“Get more time to pay with Klarna”

“Pay in 3 with Klarna”

“Split your purchases into 3 interest-free payments”

“Shop now. Pay in 30 days with Klarna”.

“Shop now. Pay over time with Klarna”

“Shop now. Pay with Klarna.”

“Flex your payments.”

“Pay with Klarna Card”.

“Pay Instore with Klarna”.

Within 30 days



First instalment

Either within 30 days or in three payments (days one, and 30)


6 weeks



First instalment

Four payments every two weeks


Two to 12 months


Right reserved by DivideBuy

First instalment

Payments every month