Spread the cost with 0% finance or pay later

Furnishing your home should be exciting and stress-free, which is why Atmacha Home & Living offers flexible finance options to help you spread the cost of your purchase. Whether you're investing in a new sofa, bedroom set or dining furniture, our simple finance solutions allow you to bring your dream home together sooner while managing your budget comfortably. With our soft search eligibility check, you can explore finance options up to £25,000 without affecting your credit score.

Flexible Finance Options to Suit You – We can provide you a finance decision without impacting your credit file via ‘Soft Search’ for up to £25,000.

At Atmacha Home & Living, we offer two simple ways to spread the cost of your purchase.

1. Interest-Free Finance (Up to 36 Months)

Spread the cost over 12–36 months with 0% interest
Minimum 20% deposit required
Minimum spend: £1,000
Available on selected full-price items only
Subject to status and affordability
Provided by Novuna Personal Finance

Representative Example (12 Months)

Cash price: £1,000
Deposit: £200 (20%)
Amount of credit: £800
Duration: 12 months
Monthly repayments: £66.67
Interest rate: 0% p.a. (fixed)
Representative APR: 0%
Total amount payable: £1,000

2. Buy Now, Pay Later

Enjoy your purchase now with a 12-month payment free period
Option to repay in full within 12 months and pay no interest (£29 early settlement fee applies)
After the holiday period, spread payments over the remaining term (up to 36 months total)
Minimum spend: £1,000
Available on full-price items only
Provided by Novuna Consumer Finance

Representative Example

Cash price: £1,000
Deposit: £200 (20%)
Amount of credit: £800
Interest rate: 19.9% p.a. (fixed)
Representative APR: 19.9%
Repayments: 12-month payment free period, then 24 monthly payments of £44.38
Total term: 36 months
Total amount payable: £1,265.12
Interest accrues from the start of the agreement. If the loan is not repaid in full during the payment free period, accrued interest is payable.

Which Option is Right for You?

Interest-Free Finance: Fixed, predictable payments with no interest

Buy Now, Pay Later: Flexibility with a 12-month payment break

Important Information

• Finance is available in-store or remotely only (not online)Soft search available to check eligibility without affecting your credit score
• Minimum deposit: 20%
• Available on full-price items onlyWe are authorised and regulated by the Financial Conduct Authority.
• We act as a credit broker, not a lender.
• Credit is subject to status and affordability and is provided by Novuna Consumer Finance.
• Terms & Conditions apply.
• If you’d like to check your eligibility or discuss options, simply reply to this email or contact our team.

Choosing the right finance option depends on what works best for your lifestyle. Whether you prefer the certainty of interest-free monthly payments or the flexibility of Buy Now, Pay Later, our team is here to help you find the best solution. Visit our London showroom or contact us to check your eligibility and start your journey towards a more comfortable and stylish home with Atmacha Home & Living.

Atmacha Home & Living
13–15 Grand Parade, London N4 1LA