PAY MONTHLY FURNITURE FINANCE
Spread the cost of your wardrobe
Buy the furniture you want today and pay over time with Klarna, PayPal and Affirm. Interest-free options available, with a quick eligibility check at checkout.
Affirm UK
Spread the cost for up to 48 months! Choose weekly, fortnightly, or monthly payments — flexible finance that fits your lifestyle. Enjoy premium furniture now and pay over time with complete transparency.
PayPal Pay Later
Spread the cost over 12 months!
Split your payments to suit your budget.
Pay securely through your PayPal account with no hidden fees.
Klarna
Split your purchase into three payments.
Enjoy your furniture now and pay over time — interest‑free, simple, and secure.
Perfect for quick, flexible checkout experiences.
🔒 Why Shop with Tesoro Direct
How it works
Add your wardrobe to the basket
Choose a finance option at checkout
Complete a quick eligibility check
Spread the cost in instalments
Affirm is a form of credit, subject to credit check and a minimum spend. Terms apply. Missed payments may affect your financial status.
Representative example: £900 purchase. Total amount of credit £900. £46.64/mo over 24 months.Total payable £1,119.29. Interest rate 22% p.a. (fixed).
22% Representative APR. A down payment may be required. Loan amounts and APR vary by merchant and borrower's financial circumstances. Actual payment option terms will be shown at checkout.
Everything You Need to Know About Spreading the Cost
Do you offer interest-free finance on wardrobes?
Yes! Through our partnerships with Affirm UK, Klarna, and PayPal, we offer several 0% APR interest-free options. This allows you to split the cost of your 3, 4, or 6-door wardrobe into manageable monthly installments without paying a penny extra.
Will applying for finance affect my credit score?
Most “Pay in 3” or short-term credit options use a soft credit check, which does not impact your credit score. However, longer-term monthly financing may require a hard credit check. We recommend checking the specific terms of the lender (Affirm, Klarna, or PayPal) during the checkout process.
How does Affirm work at Tesoro Direct?
Affirm provides flexible payment plans that let you pay over 3, 6, or 12 months. Simply select Affirm at checkout, enter a few details for an instant decision, and pick the plan that suits your budget.
What are the requirements for Affirm UK?
To use Affirm, you must be a UK resident, over 18 years old, and have a valid UK mobile number and debit/credit card. Approval is subject to status and affordability checks.
Can I "Pay in 3" with Klarna?
Yes. Klarna allows you to spread the cost of your wardrobe over three equal interest-free payments. The first is taken when you order, and the remaining two are taken automatically every 30 days.
What happens if I return my wardrobe but used Klarna?
Once we process your return, we will notify Klarna. They will cancel any future scheduled payments and refund the amounts already paid back to your original payment method.
How do I use PayPal to finance my wardrobe?
Choose PayPal at checkout. If you are eligible, you will see the “Pay in 3” option. It’s interest-free and integrated directly into your existing PayPal account for a fast, secure checkout.
Is there a maximum limit for PayPal finance?
PayPal Pay in 3 is typically available for purchases between £30 and £2,000. For larger 6-door premium wardrobe sets exceeding this, we recommend exploring our Affirm UK long-term plans.