FINANCE OPTIONS AVAILABLE
Furniture Finance Options
0% APR finance available over 12, 24, 36 and 48 months, subject to status and lender approval.
Spread the cost of your handcrafted furniture with finance options through Ideal4Finance.
At TRL Handmade Furniture, we understand that investing in made-to-order furniture can be a considered purchase. Finance options are available through Ideal4Finance, allowing eligible customers to apply for monthly repayment options.
Finance is optional and available subject to status. The finance application must be completed by the customer.
Estimate your repayments
Use the finance calculator to get an estimate of monthly repayments based on your chosen loan amount, deposit, loan term, and available finance options.
Please note: the calculator provides a guide only. Exact amounts and terms will be confirmed during the application process.
Apply for finance
Once you know the amount you would like to apply for, you can complete your application through Ideal4Finance.
Your application may include checks such as open banking, ID verification, or requests for additional documents. The lender will assess your application based on your personal circumstances, loan amount, and chosen term.
How it works
1. Choose your furniture or confirm your quote with TRL.
2. Speak to the TRL team about your order value, product details and suggested deposit before applying. TRL may suggest an initial deposit of around 15% for made-to-order furniture.
3. Use the finance calculator to estimate monthly repayments. If a deposit has been discussed, include this in the calculator.
4. Apply online through Ideal4Finance. The application must be completed by the person taking out the finance.
5. Wait for the finance application to be reviewed.
6. Once the finance agreement has been completed and accepted, TRL will confirm the next steps for your order.
Important delivery information
Orders funded through finance must be delivered to the address shown on the finance agreement. Delivery cannot be made to a neighbour, depot, or collection point. A signed proof of delivery or satisfaction note may be required after delivery.
Important finance information
For bespoke or made-to-order furniture, please make sure the finance application uses an accurate product description and loan amount.
There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full. Failure to do so can lead to financial difficulties and have a negative impact on your credit score.
TRL Furniture Consulting Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.
Frequently Asked Questions
Have questions about deposits, repayments or applying for finance?
The answers below explain how TRL’s finance options work in simple terms.
Can I use finance to order more furniture?
Yes. Finance options can help you spread the cost of the full furniture setup you need, whether you are adding extra benches, matching tables, or completing a larger home, dining, garden, hospitality, or commercial space.
Finance is optional and available subject to status. The amount offered will depend on your personal circumstances, the loan amount, and the term.
Is a deposit required?
TRL may suggest an initial deposit of around 15% before your order progresses. For made-to-order furniture, this helps cover materials, labour and production planning before your order moves forward. If you would like to discuss the deposit amount before applying, please speak to the TRL team directly.
Any deposit agreed with TRL should be included when using the finance calculator or completing the finance application, so the estimated repayments are based on the correct amount.
Is 0% finance available?
Yes. TRL currently offers 0% APR finance options over 12, 24, 36 and 48 months, subject to status and lender approval.
The finance option offered will depend on your personal circumstances, the loan amount, the deposit amount, the selected term and the finance products available at the time of application.
There are risks involved in taking out finance. Please make sure you can make all repayments on time and in full, as missed payments may lead to financial difficulties and could negatively affect your credit score.
Should I include a deposit when using the finance calculator?
Yes, if TRL has discussed a deposit with you, you should include that deposit amount when using the finance calculator. This helps give a more realistic estimate of your monthly repayments across the available finance terms, including 12, 24, 36 and 48 months at 0% APR, subject to status and lender approval.
The calculator is hosted by Ideal4Finance and allows customers to enter a price, deposit amount, loan term, and available APR options before showing an estimated repayment breakdown.
Can finance be used for commercial or business-related orders?
Finance may be available for commercial or business-related furniture orders, but please speak to the TRL team before applying so we can confirm the correct application details.
The finance application must be completed by the person taking out the finance. A third-party application may result in cancellation or further checks.
When will TRL start work or arrange delivery?
TRL can only progress the order once the finance agreement has been completed and accepted, the required deposit has been confirmed, and the application status is ready for TRL to proceed.
For finance orders, goods must be delivered to the address shown on the finance agreement. Delivery cannot be made to a neighbour, depot, or collection point. A signed proof of delivery or satisfaction note may be required after delivery.
After completion or delivery, TRL may need to provide a signed completion/satisfaction note confirming that the work or goods have been completed and authorising payment to the supplier.