Are you sure?

You still have in your basket

If you continue to our gift website, these items will not be present in your new Utility Gift basket.s in your basket won't carry over to the gift site.

However, your Utility Design shopping basket will be saved here for 30 days should you wish to return to it.

Sign Up To The Utility Newsletter For 10% OFF Your First Order

  1. Home
  2. Interest Free Credit

Interest Free Credit

Spread The Cost With Interest Free Credit

Investing in a design classic piece of furniture or lighting doesn't need to break the bank when you shop with Utility. We've teamed up with Klarna to help you spread the cost of your puchase at no extra cost. To apply, simply select the "Interest Free Credit" option at checkout.

Klarna 0% Finance allows you to spread the cost over 12 months; available on orders of £500 to £25,000 with a deposit of only 10%

The below example is based on a typical purchase using Utility's Interest Free Credit.

Klarna Interest Free Credit Utility

* Interest Free Credit is subject to application and status. Utility Retail Ltd act as a credit broker and not the lender.

Payment Process

When you proceed to our super simple, one step checkout you'll be presented with a number of payment method options. Select "Interest Free Credit" and click "Place Order Now".

You will then be directed to a page that outlines the credit terms for your purchase (including deposit amount and monthly payments). If you're happy with the proposed terms you can continue to the application form via the link provided. Upon clicking the application button you will be redirected to the Klarna Application screen where you will be able to complete your application.

How Long Will It Take To Apply?

The application shouldn't take more than 10 minutes, with an instant answer on whether your application for finance has been successful.

In some cases, Klarna – our financial services provider - will need to assess the application in more detail before making their decision.

10% Deposit

Following a successful application you will be requested to pay your 10% deposit via Klarna. When your deposit is paid your application status will be set to "verified" and a member of the Utility sales team will process your order. You will receive an email from sales@utilitydesign.co.uk to confirm the current status of your order.

If you've got any questions about your order please feel free to get in touch via sales@utilitydesign.co.uk or by calling 0151 494 9412

Finance Terms & Conditions

If your application is successful, you'll be requested to sign a Klarna finance agreement. Please note : your order will not be processed until this is completed)

Only available to UK residents over 18, subject to terms and conditions. Klarna Bank AB (publ) is authorised by Finansinspektionen and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Firm reference number 821179. Klarna Bank AB (Publ) is registered with the Swedish Companies Registration Office. Organisation number 556737-0431.


What is the returns policy for interest free credit orders?

Our usual returns policy applies. Please see section 6 titled "Cooling off period" of our terms and conditions here.

Can I change my delivery address after I've placed my order?

Unfrotunately for security reasons we cannot delivery to a different address than the one specified on your initial order.

I've been sent a discount code. How do I use it with my Interest Free Credit order?

As per our terms and conditions, discount codes cannot be used in conjunction with the Interest Free Credit payment method.

Next Working Day Delivery

View UK delivery options

Delivering to 150 Countries

View delivery options

Thank You Messages

I have rarely experienced such excellent quality advice, support and reliability. Your staff communicate effectively and helpfully. I am a truly satisfied customer. I love my String Shelving and I will not hesitate to return to Utility for my next purchase. Thank you!

Oct 24th 2019 | Sarah

Your customer service has been fantastic. I'm seriously impressed. Really pleased to be able to place the bigger order and make your time worthwhile. I think I need to send you a medal!

May 19th 2019 | Jason

I just wanted to express my thanks again for your great customer service. I ordered my items less than 24 hours ago and I’ve amended my order- yet I still have my order here with me now. You went out of your way to deliver my order and I’m very grateful. I wish more places had people like you :-)

May 14th 2019 | Louise

Thanks so much for your extraordinary service. -

Jun 19th 2019 | Maria (US)

Thanks again for such amazing customer service - I have honestly been so impressed by everything! Thank you for doing such a wonderful job

Jun 19th 2019 | Amber

Excellent customer service and immediate response to enquiry (live chat). Very happy every time used Utility both online and on high street.

Jun 28th 2019 | Jo

I couldn't be happier with the custom made sofa bought through the online store. It is perfect and made all the more enjoyable by buying it through the guys at utility. Ben and Paul who delivered the sofa were amazing, kind and really helpful in a difficult situation (of course the lift broke when I was getting something delivered). Would highly recommend!

Aug 13th 2019 | Holly

Just wanted to message and say that I'm a big fan of the Utility Stores and the types of products you guys sell. I work close by to the Manchester store at University Green, so I'm popping in a fair bit generally for cards, gifts, etc. I just nipped in again this afternoon about one product I'd bought earlier and the staff were super helpful and attentive. It made it really easy, and I was in and out in no time.

Aug 13th 2019 | Richard

Just wanted to drop you guys a quick note to say how happy I am with the service I have had. Especially the two guys who delivered/carried into an awkward space/built/then took away the packaging, not to mention then gave me a lift into town. Thank you. Plus the sofa looks amazing. I will definitely be using you guys more in the future and will highly recommend you to anyone who will listen.

Sep 13th 2019 | Luke

Thank you for all your help and customer service, the Eames Lounge Chair arrived yesterday and I love it.

Nov 1st 2019 | Ross

Comment: I just wanted to say that Esther on the checkout in the L1 store made my day today she was so friendly

Dec 9th 2019 | Katy