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0% apr interest free credit available

How do I choose Interest Free Credit?
Just select the option 'Spread the cost using Interest Free Credit' on the checkout page or let a member the sales team know if you're buying in one of our stores, alternatively call the orderline on 0345 675 9090.

Who is eligible to apply for Interest Free Credit?
To apply for Interest Free Credit, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents in Northern Ireland.

When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.

All you need to do is:
1. Spend a minimum £500 and above
2. Place a 10% deposit
3. Minimum Interest Free Credit amount after deposit £450 and above

We are able to offer the following repayment periods:

min spend  terms available 
£500+  6 months
£750+  6 or 10 months
£1,000+  6, 10 or 12 months
£2,000+  6, 10, 12, 18 or 24 months
£3,000+  6, 10, 12, 18, 24, 36 or 48 months


The table below shows you how much monthly repayments will be based on the total order value.

Order valueRepayment period10% depositLoan valueMonthly Payments
£500 6 months £50 £450 £75
£750 10 months £75 £675 £67.50
£1,250 12 months £125 £1,125 £93.75
£1,750 18 months £175 £1,575 £87.50
£2,500 24 months £250 £2,250 £93.75
£3,500 36 months £350 £3,150 £87.50
£6,000 48 months £600 £5,400 £112.50


Representative Example
 Cash Price  £1,250
 Deposit  £125
 0% APR representative
 Interest rate  0% fixed
 Number of Payments  12
 Monthly Payment  £93.75
 Total Amount payable  £1,125


Applying for Interest Free Credit Online
Applying for online Interest Free Credit couldn't be easier or more convenient. When you buy online from dwell you have the choice of applying for instant Interest Free Credit by adding your purchase to the shopping basket, selecting the option to 'Spread the cost using Interest Free Credit', and completing a finance application form.

The whole process only takes a few minutes and is simple and secure. Once your Interest Free Credit application is approved, you will receive an email from Hitachi advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.

Following receipt of your Interest Free Credit agreement and a few additional checks, your goods will be despatched.

Commonly asked questions regarding online Interest Free Credit:

Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement dwell will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement, you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. If in stock, delivery of your goods will follow soon after your agreement has been returned to our finance company.

Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows Hitachi Capital to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
• Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
• Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
• Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Do I need to pay a deposit?
Yes. A minimum 10% deposit is required on all orders. You can choose to pay a higher deposit but the loan amount must still be over £450.

Can I request delivery to another location?
Yes as long as you apply for Interest Free Credit in store. You will have to provide an acceptable proof of residency e.g. a driving license, utility bill or bank statement. Applications over the phone and online require delivery to your home address. Items cannot be delivered to stores.


Credit subject to status and affordability. Terms and conditions apply. Coin Furniture Ltd. (trading as dwell) is authorised & regulated by the Financial Conduct Authority in relation to credit broking. Credit is provided by Hitachi Capital (UK) PLC trading as Hitachi Capital Consumer Finance, 2 Apex View, Leeds LS11 9BH who are authorised and regulated by the Financial Conduct Authority as a credit provider.