recliner sofa — Pay Monthly, 0% APR TrustPay
Spread the cost of a recliner sofa over 12 monthly instalments with TrustPay — 0% APR, no credit checks, bad credit welcome.
Every recliner sofa on this page is available on TrustPay — our in-house 0% APR facility. No deposit. No credit search. No hidden fees. Approved instantly up to £1,200.
Bad credit, CCJs, defaults and no credit history are all welcome. Applying never affects your credit score. Your first payment is taken at checkout, and dispatch is confirmed after your 4th on-time payment.
Trusty Stores is a real UK retailer based in the West Midlands with thousands of five-star reviews. Real humans, real UK support — no chatbots, no gimmicks.
How you pay with TrustPay
Every TrustPay plan is 12 equal payments. You choose how often they come out:
- Weekly — 12 payments over 12 weeks
- Fortnightly — 12 payments over 24 weeks
- Monthly — 12 payments over 12 months
The payment amount is identical whichever you pick — only the length of the plan changes. 0% APR, no deposit, no credit checks and no impact on your credit score.
Example: £190.78 split into 12 payments of £15.90 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £190.78. 0% APR, no interest, no fees.
What you can get on this plan
- Outsunny Outdoor Sun Recliner Loungers with Adjustable Footrest Beige — 12 payments of £15.90 (£190.78 total, 0% APR)
- Outsunny Set of 2 Zero Gravity Lounge Chair Recliners Sun Lounger Grey — 12 payments of £18.75 (£224.98 total, 0% APR)
- VEVOR Chaise Lounge Chairs Outdoor, Aluminum Patio Lounge Chairs with Adjustable 5-Position, Folding Pool Lounge Chairs Recliner and Full Flat Tanning Chairs for Patio, Beach, Pool, Blue, 2 pcs — 12 payments of £24.30 (£291.58 total, 0% APR)
- Roma Leather Recliner Sofa with Cupholders - 2 Seater Sofa - Black (2 Seater), 165cm, BS107 — 12 payments of £42.60 (£511.18 total, 0% APR)
- Habitat Kendric Fabric Recliner Armchair - Green — 12 payments of £58.00 (£696.00 total, 0% APR)
- Argos Home Toby Faux Leather Manual Recliner Chair - Grey — 12 payments of £61.00 (£732.00 total, 0% APR)
- Argos Home Reggie Fabric Recliner Chair - Beige — 12 payments of £63.25 (£759.00 total, 0% APR)
- Argos Home Ezra Fabric Recliner Chair - Green — 12 payments of £76.00 (£912.00 total, 0% APR)
- Home Toby Faux Leather 3 Seater Recliner Sofa - Black - Argos Home Toby Faux Leather 3 Seater Recliner Sofa — 12 payments of £93.85 (£1126.20 total, 0% APR)
- Home Toby Faux Leather 3 Seater Recliner Sofa - Brown - Argos Home Toby Faux Leather 3 Seater Recliner Sofa — 12 payments of £93.85 (£1126.20 total, 0% APR)
- Home New Paolo 2 Seater Manual Recliner Sofa - Black - Argos Home Paolo 2 Seater Manual Recliner Sofa — 12 payments of £98.50 (£1182.00 total, 0% APR)
- Argos Home New Paolo 2 Seater Manual Recliner Sofa - Grey — 12 payments of £98.50 (£1182.00 total, 0% APR)
Frequently asked questions
Is there a credit check on recliner sofa finance?
No. TrustPay is a zero-credit-check facility and applying never affects your credit score.
How much can I be approved for?
Every applicant is approved instantly up to £1,200.
Do I have to pay a deposit?
No deposit — you'll only pay your first monthly instalment at checkout.
Can I qualify with bad credit or a CCJ?
Yes. Bad credit, CCJs, defaults and no credit history are all welcome.
How quickly is my recliner sofa dispatched?
Your order is dispatched after your 4th on-time payment. Please allow up to 10 working days from that point for delivery.
Related pages
Apply for a TrustPay account — instant decision, no credit check