0% Finance Available Now

Spread the Cost of Your Dream Sofa in Cumbria

Upgrade your living room today and pay later. We partner with Kanda to offer flexible finance options. Enjoy 0% interest for up to 12 months or spread payments up to 5 years.

Calculate Payments Call 01228 581242

Instant Decision

99% Approval Rate

5 Minute Application

How to Apply for Sofa Finance

We've made it incredibly simple to spread the cost of your furniture. Our partnership with Kanda allows for a seamless application process that takes just 5 minutes.

1. Choose Your Sofa

Browse our extensive range of sofas online or visit our showroom in Carlisle. Find the perfect piece for your home.

2. Apply in Minutes

Call us on 01228 581242 or visit us in-store. We'll send a secure Kanda link to your phone.

3. Instant Decision

Get an immediate decision. Once approved, arrange your delivery and enjoy your new sofa.

Finance Calculator

Adjust the slider to see how affordable your new furniture can be. We offer both 0% interest free credit and flexible long-term options.

Loan Amount: £1,500

£250 £10,000

Select Duration

Note: Interest bearing rates (APR) are dependent on customer circumstances. The values shown above are estimates.

Your Estimated Plan

Monthly Payment £0.00

Total Repayable £0.00

Duration 12 Months

Interest Rate 0%

Cost of Credit £0.00

Apply Now via Phone (01228 581242)

Finance provided by Kanda. Subject to status. Terms and conditions apply.

Pay Monthly Sofas in Cumbria & Carlisle

At Lakeland Sofa Warehouse, we believe that high-quality, comfortable furniture should be accessible to everyone. That's why we have partnered with Kanda to offer flexible finance sofas in Carlisle and the wider Cumbria region. Whether you are looking for a corner suite, a recliner, or a classic 3-piece suite, our "buy now, pay later" options allow you to spread the cost without breaking the bank.

Why Choose 0% Finance Furniture?

Opting for an interest-free credit plan means you pay absolutely no interest on your purchase if paid within the agreed term (3, 6, or 12 months). This is the smartest way to furnish your home, keeping your savings intact while enjoying premium furniture immediately. For those needing longer to pay, our competitive low-APR options over 2-5 years ensure your monthly outgoings remain manageable.

Serving The Lake District

We are proud to be a local Cumbrian business. We regularly deliver to Penrith, Workington, Whitehaven, Kendal, and Barrow-in-Furness. When searching for "sofas on finance near me", trust Lakeland Sofa Warehouse for the best deals and local service.

Eligibility for Sofa Finance

Must be 18 years or older.
A permanent UK resident with 3 years of address history.
In regular employment, retired, or receiving disability allowance.
Have a UK bank account and a valid mobile phone number.

Applications are subject to status and affordability checks. Missed payments may affect your credit score.