Sofas on repayment plan

[Mollylegs]

Hi I wasn't sure where to post this so I've ended up here. Please could I possibly not have any negative comments about my situation. Since my split from my husband I have been left with one sofa which is practically dead, its falling apart completely. I am now on benefits, I know how much money I could afford monthly but I don't have the money to pay outright for a new sofa. Does anyone know of any sofa companies that will let you buy one and put it on a payment plan. I know that a lot of companies might say no because I'm on benefits. I just wondered if anyone knows which companies I could try so as to not ruin my credit rating. I just want my home to be nice thanks in advance.

Dfs do payment plan

What about if she wants a new sofa?
we bought a new house two months ago, have savings but went with payment plan for a sofa to keep cash available. Whats wrong with that if she can afford the monthly payments. I would not want a second hand sofa.

I use dfs too, I pay 55 a month for 2 sofas I think came to about 3k. Before that I had a much cheaper sofa I only paid 11 a month for. Unfortunately the dog and child ruined it as if was fabric, but the sofa itself was nice!

I've had 2 dfs sofas, both lasted a good 10 years

Early last year I advertised my 10 year old leather Lay zee Boy 3 piece suite for free, it had electric recliners and was in fantastic condition. The amount of people that messed me about was unbelievable, and I ended up taking it to the tip.
What I am saying is that you can get a genuinely good suite without getting into debt, just takes patience and to be able to arrange collection if you find one.
Happy hunting!

Did do 0% much better than something like brighthouse which charge a fortune!

My mil has had three new sofas in the twelve years I’ve known her. She gets them on credit and as soon as she’s paid it off, she’s sick off them, they’re put on Facebook marketplace or gumtree and she gets a new one on credit.

My point is, let other people get into debt. Look for a clean comfy sofa that isn’t going to be a weight around your neck for years.

But then she needs to collect the sofa.
so need a van potentially where as places like dfs will deliver.
we donated our old sofa fo British heart foundation as they were collecting it. People on marketplace were interested but could not collect

If you’re in work, or about to start work (maybe that includes being on UC, I’m not entirely certain) this scheme provides 9monrhs mh coaching.

Try fb marketplace. Lots for free or very cheap (you will probably have to pay someone to deliver it).

I got a very nice leather two seater free from Gumtree about two years ago.

Some towns have “furniture projects” which collect unwanted furniture then sell very cheap to people on low incomes.

Most places will reject an application for credit from someone with no means to repay: they look for employment and a credit check.

I'd do it if it was me. £30 a month for a sofa that would completely transform your room and the way you feel while sitting in it. Sure that's got to be good for your well-being and mental health.
As long as it's affordable for you monthly and the interest rate is 0% I don't see the harm in it.

The problem is no one is giving 0% credit to someone on benefits.

What is your housing situation? Are you private or social or owned? England, Scotland or Wales?

Next at Home!

As others have said, Facebook marketplace and some websites are great for getting second-hand but very good condition furniture. Look for the ones that have the ability to leave reviews and comments, as you can see what kind if seller someone is and how the bidding is going. I got a very large sofa (10ft long), with matching 7ft long sofa and a cushioned footstool for £400 plus £50 collection & delivery (100 miles away). They were lightly used, but no different than if they had been in my own house for a year. There are websites where you can put up your requirements for a collection and delivery of stuff like this and ‘a man with a van’ pitch for the job (usually someone going with an empty van to or from another job in your area). We are not low-earners but couldn’t justify spending the thousands it would have been to get similar new. Also environmentally, this is the way to go. Save up for a while until you have even £100-200 and start looking. People who have purchased a brand new suite often are desperate to move on the old one when they get their delivery day confirmed so there are real bargains to be had. Honestly, you’ll be thrilled with getting such value and can continue to save for other bargains. I’ve bought two TV units also in great condition - £20/30 each. Good luck!

I always use DFS. Work to my budget, 0% finance and it's always worked great for me.

@badluckorbadvibes Ah. Well I can honestly say I didn't know you couldn't get credit for something like that if you received benefits. My apologies.

I would get a cheap ikea one, try to avoid finance if possible.

It's not that you can't get credit if you receive benefits, it's that ordinarily there is an expectation you have employment. That could be full or part time and it could be with top up benefits. What it won't give is favourable rates of interest.

@Twoshoesnewshoes sorry, I was racking my brain trying to work out what apple pie issues meant!!! gave me a giggle x
Do you mind if I ask if you were on benefits when you got credit from DFS? x

Most places won't give you credit if you don't have a reliable source of income - unfortunately benefits aren't likely to count.

I would try Facebook Marketplace or local selling groups - people are always putting cheap or free furniture up on ours. You'd need to pay someone to collect/deliver but there are loads of local "man with a van" type outfits who could do that too.

I think you'd struggle OP.

The prejudice with not lending to people on benefits is funny because work isn't a reliable source of income either, I was just made redundant this week with immediate effect. Whereas my UC is always paid on the same date every month without fail.

So sorry to hear this. I would pop up a post on local FB community sites and other apps which encouraging sharing explaining your situation and see whether someone can deliver a secondhand sofa. Also call British Heart Foundation and Salvation army stores - they may deliver.

We have rehomed several used, but good condition sofas for free or for a minimal amount over the years as we have moved house so I would certainly start there for a month or two before parting with cash at one of the big name stores.