Interest Free Finance

How Finance Works

Here at EZ Living Furniture, we understand the high cost of refurbishing your home, however, we are committed to making things easier for our customers by now offering 0% interest-free finance.

Applying for finance is simple. First, choose what items you wish to purchase, then bring the required documentation (see “What You’ll Need”) with you to your nearest EZ Living Furniture store.

A member of our sales team will then help you to fill out your application. Find your nearest store with our store locator here.

After your application has been reviewed and approved, we will require a minimum 20% deposit and your order will then be processed by our sales team. Please Note: To avail of our 0% interest-free finance option you must spend a minimum of €1000.*

*Floor model items and accessories are not available as part of EZ Living Furniture 0% APR finance.

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Minimum €1000 is required

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Minimum 20% is required


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Am I Eligible?

Finance CriteriaAre you over the age of 18?

Finance CriteriaAre you a resident of the Republic of Ireland for the last 3 years minimum?

Finance CriteriaAre you able to supply a phone number? (This can be a home, work, relatives or neighbours number which you can be reached on if called)

Finance CriteriaAre you employed? Full-time employment (16 hrs + per/week), Part Time employment (up to 16hrs per week), Self Employed, Retired, In receipt of Disability Allowance, Homemaker.

If you can answer ‘yes’ to all of the above, we are delighted to announce that you are eligible for our Finance option!

What You'll need?

Please ensure that you have the required documentation and ID from the list below when you fill out your application in store.

Finance CriteriaA 20% deposit

Finance CriteriaOriginal copy of proof of address dated within the last 3 months in one of the following forms:

  • Credit card statement showing applicant’s name and address
  • Recent utility bill: Water/Gas/Electric/Fixed Landline/ Council Tax
    • Please note Mobile Phone bills or bills for cable/satellite TV will not be accepted.

Finance CriteriaPhotographic ID, the following are the only accepted forms of ID:

  • Valid Passport
  • Any Valid Full Driving Licence

Finance CriteriaAn Irish Bank Account which supports Direct Debit. This account must be in the name of the applicant.

Finance CriteriaA contact number. (This can be a home, work, relatives or neighbours number which you can be reached on if called).

Finance CriteriaA Personal Public Service Number, in one of the following forms:

  • Any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to the individual showing the individual’s PPSN
  • P21, Tax Assessment or Notice of Tax Credits
  • Receipt of Social Welfare Payment
  • Medical Card/Drug Payment Scheme (DPS) Card
  • Payslip, P60/P45
So, What’s Next?

After we review your application, your request will then be forwarded on to our financial provider, Creation Finance, who decide if your application is approved or denied based on the documents provided by you and information provided by the Irish Credit Bureau (ICB).

Unfortunately, EZ Living Furniture have no say over the decision made by the financial provider. Should you happen to be declined, we would be happy to provide you with the information and contact details for the Irish Credit Bureau.

We would also be more than happy to provide you with alternate payment structures which may suit your personal needs, and the store manager of your local EZ Living Furniture store would be best suited to discuss your personal requirements. Please contact your local store manager by ringing 0818222272. Please note: That we are not provided with any information as to why applications are declined by Creation and the ICB.

Once you have been approved for our Finance option, a cooling-off period of 14 days will apply. After this you can contact our customer services team to arrange delivery of your order.

Please note: Our finance option is only available for delivery and is not available for store or depot collection. All Finance orders must be signed for at the point of delivery on receipt of their goods by the customer named on the finance agreement and customer receipt only. Unfortunately due to legal reasons there are NO exceptions to this rule.