Buy your new furniture and pay nothing today with ZERO DEPOSIT AND 0% APR INTEREST-FREE FINANCE


You can now purchase your new Moda furniture and spread your payments with a choice of payment plans to suit your budget. Available on purchases over £450 with credit terms between 6 to 12 months at 0% APR instalments.

And it's really simple to set up. Just select the 'finance' option when you checkout and follow the easy four-step process online.

* Minimum spend £450. Subject to eligibility and status (see FAQs below). Finance cannot be used with any discount offers but can be used on sale items for a limited period only.

Frequently Asked Questions 

Are there limits on how much I can spend?

V12 interest-free credit is available on products/services from £450 to £50,000. Credit is available for 6, 10 to 12 months.

Who can apply for V12 interest-free credit?

  • Applicants must be aged between 18 and 75
  • Be a permanent UK resident
  • Have a valid debit or credit card
  • Have a valid UK mobile number
  • Have a valid email address

Will a credit check be performed?

Yes. A credit check is performed to assess your eligibility and affordability.

How do I make my monthly payments?

Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and three-digit CV2 number. Payments will be collected automatically on the date your instalment is due.

What if I would like to cancel/ return my order?

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.

My application was declined. Now what?

We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your application was denied. V12 is not permitted to share application information with us.

Who can I contact if I need help?

For any questions related to DivideBuy interest-free credit, please contact DivideBuy by email at or use the live chat facility on their website For a complete list of FAQs, please click here.

Are there any fees or charges?

No. There are no APR or hidden charges. We do reserve the right to add late payment fees to your account in the event of you missing payments. This is all explained in your credit agreement before you electronically sign at the checkout process.

How can I manage my DivideBuy account?

To manage your account and make payments, you can log in

How can I make a complaint?

If you have a product-related issue after your products have been delivered to your home, our Customer Service team are the best team to contact first. Our experienced Customer Service advisors are here to help and their aim is to provide the best and quickest solution for you.

Email -

Phone - 0161 683 0158

Post - Moda Furnishings c/o Giomani Designs Limited, Redman Fisher Building, Bean Road, DY4 9AQ


If you have any issues with your credit agreement after your products have been delivered to your home, you should contact DivideBuy directly who will be able to help you manage your credit account, and resolve any issues or complaints regarding your credit agreement.

Email -

Phone - 0330 123 5997

Live Chat - 

What is our Vulnerable Customer Policy?

The purpose of this policy is to ensure that Giomani Designs Limited is treating vulnerable customers fairly. We are committed to identifying, assessing and managing vulnerable customers in accordance with our own defined objectives and policy, as well as any regulations and guidelines set out by our regulators.  We aim to treat all customers, who we define as being vulnerable, in a fair, clear and respectful manner.

For the purposes of this policy, vulnerable customers are customers and prospective customers whose ability or circumstances require us to take extra precautions in the way that we sell and provide our services to ensure that they are not disadvantaged in any way. This includes customers whose welfare (financial, mental or physical) could be put at risk through choosing the products we offer. This can also include customers who are unable, for whatever reason, to make an informed decision at the time of dealing with them.

Our staff are trained to identify these vulnerable customers so we can take extra steps to assist outside of our standard trading procedures. However, it is not always possible to recognise these characteristics. Therefore, if you believe you may fit the criteria for a vulnerable customer, please read this policy and notify us immediately of your needs.

As soon we think we may be engaging with a vulnerable customer, whether this is through our identification or you are approaching us, we will:

  • Provide additional opportunities for you to ask questions about the information we have provided
  • Continuously seek confirmation that you have understood the information that has been provided
  • Ask if there is anybody with you who is able to assist. If not, and we believe this will be beneficial, we will make arrangements to continue with the subject matter at another time
  • Offer you the opportunity to complete the transaction after a period of further consideration
  • If we can’t help a customer, we will try and make sure that they understand what alternative options are available to them.

To register as a vulnerable customer, e-mail us at or call us on 0161 683 0158

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About our Lenders:
Your interest-free finance agreement is provided on behalf of Giomani Designs Limited by Zopa Embedded Finance Limited t/a DivideBuy credit agreements. These credit agreements are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Credit is available to permanent UK residents aged 18+, subject to status, any missed payments may affect your ability to obtain credit from DivideBuy and other lenders. Please spend responsibly. Zopa Embedded Finance Limited is registered at First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. Their egistered Company number is 14602085.

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