Payment and Retail Finance

This page explains the payment routes that may be available when you buy from My Next Sofa Online. The payment options available for a particular order are those shown at checkout or confirmed by us in writing.nCard and online paymentsnCard and other online payments are processed securely by the payment provider displayed at checkout. We do not normally receive or store your complete card number or card security code. The payment provider may apply its own terms, privacy notice, fraud checks and authentication requirements.nRetail financenWhere retail finance is available, it will be shown as a separate payment option at checkout or in a written quotation. Finance is provided by an independent regulated finance provider and is subject to application, status, affordability and the provider's lending criteria. We do not make the lending decision.nBefore you apply, the finance journey will display the identity of the finance provider, the available repayment plan, any deposit, the amount of credit, the total amount payable, the representative APR where applicable and the terms that apply. Please read that information carefully before entering into a credit agreement.nNo guarantee of acceptancenSubmitting an application does not guarantee that finance will be offered. A declined or incomplete finance application does not create an obligation for us to supply the goods. You may choose another available payment method.nOrder acceptancenA finance approval or payment authorisation is not, by itself, our acceptance of the furniture order. Our sales contract is formed only when we issue an order acceptance or otherwise confirm in writing that the order has been accepted.nChanges, cancellations and refundsnChanges and cancellations remain subject to our Terms and Conditions and Returns, Cancellations and Refunds Policy. If an order paid through retail finance is lawfully cancelled or refunded, we will notify the finance provider and process the transaction through the appropriate payment route. You should continue to follow the finance agreement until the provider confirms any adjustment or closure.nQuestions and complaintsnQuestions about the goods, delivery, cancellation or a refund should be sent to info@mynextsofaonline.co.uk. Questions about eligibility, a credit decision, repayments or the credit agreement should be directed to the finance provider identified during the application. Our Complaints Procedure explains how we handle and route complaints.nBorrowing responsiblynFinance creates a legal repayment obligation. Consider whether the repayments are affordable for the full term and seek free independent money guidance if you are uncertain. You should not proceed if borrowing is unsuitable or unaffordable for you.nLast updated 9 September 2026.nnnMY NEXT SOFA LTDnCompany number: 16715449nRegistered office: 95 Bradley Boulevard, Huddersfield, HD2 1EAnShowroom: Unit 8, Bessemer Way, Adams Road, Workington, CA14 3YSnEmail: info@mynextsofaonline.co.uknTelephone: +44 7350 092214n