Cargo wants you to have the furniture you have fallen in love with. That’s why we now offer up to 30 months interest free credit with only a 20% deposit.

Unlike some retailers who offer interest free credit, you wont find that you are suddenly tied into an large APR loan at the end of you interest free period. Instead we take a 20% deposit then spread the balance into easy payments for up to 30 months.

You will be secure in the knowledge that our credit facilities are supplied by Black Horse part of the Lloyds TSB group and your payments will never change for the term of your loan.

If you would like further information about our Interest Free Credit we have a list of frequently asked questions at the bottom of this page. If you would like to speak to someone in person, you can visit any of our high street stores or call 0844 848 3300.

Increase your spending power

Fixed monthly payments

Easily spread the cost

Fast Approval

Buy what you love not what your budget dictates

Typical example*

Sofa cash price after discount £1500.00

Deposit £300.00

Balance £1200.00

30 Monthly repayments of £40.00

Total Price Payable £1500.00

APR 0%

Other Interest Free periods are available starting at 6 months. Minimum spend applicable.

Who is eligible for finance?

Anyone who is over 18 and employed or self-employed working more than 16 hours a week.

How can I make my repayments?

All repayments must be made by Direct Debit.

When will my first payment be due?

Your first payment will be due 28 days after you have received your goods

Can I make additional payments?

Yes, you will need to contact Black Horse directly. The contact details are available on you credit agreement.

I don’t like giving out my personal details

Black Horse does not ask any intrusive questions about salary or expenditure, or ask for statements proving who you are or that you pay your bills.

I never have time to complete the paper work

This only takes a few minutes because the document is very simple and we only ask a few questions.

I don’t qualify for finance as my “house is blacklisted”

There is no such thing as “blacklisting”. Black horse only search actual customer details, so any information about previous residents will not effect your application. Black Horse has a wide range of acceptance criteria.

*Written quotations are available on request at the following address.

Black Horse Retail Finance

New Business Centre

St William House

Tresillian Terrace

Cardiff

CF10 5BH