Familiarise yourself with our Finance Options Returns information Want a refund for your product, see what we can do to help Delivery information Learn more about our delivery arrangments Pine & Oak Furniture Ltd offers two finance options with Klarna Bank AB (publ) Representative. 9.9% APR Minimum £500.00+ spend on full-price items (excludes sale, clearance or promotions). Over 24 months Minimum 20% deposit 14.9% APR Minimum £500.00+ spend on full-price items (excludes sale, clearance or promotions). Over 48 months Minimum 10% deposit Will I qualify for credit? You must be 18 and over. Employed for at least 16 hours per week. Have good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies. You are a permanent UK resident and able to supply a UK address history for the last 3 years. How does the Finance process work? Select your product(s). There is a minimum spend of £500.00+ on full-price items (excludes sale, clearance or promotions). Speak to a member of staff or follow the online application process. If approved, sit back and await your delivery or collection notification. Terms & Conditions Learn more about our Terms & Conditions Privacy Policy Learn more about our Privacy Policy Cookie Policy Learn more about our Cookie Policy Download our Brochure Visit our Showrooms GREAT STOCK availability Learn about Pine & Oak Ask about Made to measure