Interest Free Finance

Interest Free Finance - Interest Free Credit (12 months 0% APR)

We offer the following packages

  • Modish Living Ltd has teamed up with the highly-trusted, secure online credit application service Divido, to offer finance options when you buy furniture from Modish Living Ltd.
  • Modish Living acts as a credit intermediary and only offers credit products for Divido.
  • *Please note credit is subject to age and status and you will need to be over the age of 18 and delivery must be the same as the billing address.
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Interest Free Finance - Application Process

Decide what furniture you are going to buy from Modish Living.  Go through to the final checkout page and select "Pay in installments with Divido" 


Complete a quick online application.  Pay a small 20% deposit.


Once complete you will receive an order confirmation from Modish Living and we'll start the process of getting your furniture to you.  Now wait for your delivery.

Interest Free Finance - To Apply You Need

To apply for finance you will need:

    • have been a resident in the UK for 3 years
    • work at least 16 hours per week (or be in receipt of a pension)
    • have a UK bank account that can accept direct debits
    • spend a minimum of £500 across the store


    • Delivery must be to the address that you put on the finance application.
    • Your order must be delivered to your home billing address.


    Through partnering with Divido, Modish Living offers customers the flexibility to pay in full after delivery or spread out the payments up to 12 months. 

    Your first instalment payment will be collected by direct debit 30 days after delivery. Keep paying monthly instalments or pay off the full amount at any time.  It's this simple!

      *Note until the application is complete and signed by you, your order will not be processed or dispatched.

      **Please note, we can only deliver to the address used in the finance application.
      Interest Free Finance | FAQs
      • What's the process to buy using Divido?

      Buy your furniture as normal from Modish Living Ltd and ask to pay using Divido. Complete a short online application which takes a few minutes. You’re approved instantly, pay the deposit and sign the agreement to complete the purchase.

      • What if I don’t have time to complete my application?

      Let someone from Modish Living know, and we can send you a unique link to your application as text message or email, so you can complete the application later at your own convenience.  

      • Can I process my application in person?

      The online application setup by Divido is a simple and quick process.  However please feel free to call us on 01273 499057 and we can take you through this process over the phone, or pop in to our showroom where we can process your application while you wait. 

      • Will an instant decision always be made?

      In some case, Divido might need to manually review your application.  In these rare cases, Divido aim to complete this process within 15 mins.

      • What happens if I’m declined?

      You will still be able to complete the purchase using the traditional means of payment.

      • How can I find out more about Divido?

      Divido Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.  For more information about Divido, please visit the