About Pay it your way
Pay it your way — About Us
We built a furniture store designed around flexibility from the ground up — because the piece you want should not depend on the amount sitting in your account today.
Furniture should fit your home. The way you pay for it should fit your life.
We started Pay it your way on a simple belief: getting the sofa, the bed, or the dining table you actually want should not hinge on having the full amount right now. Good furniture lasts years — so why should paying for it all happen in a single afternoon?
So we did something different.
Pay the way that works for you
Spread the cost weekly, settle it monthly, or split it across instalments with the buy-now-pay-later providers you already know. You choose the plan at checkout and see exactly what you will pay, and when.
Quality you can settle into
Flexible payments mean nothing if the furniture does not hold up — so it does. From comfortable sofas to proper mattresses and dining sets made for real family life, our range is built to last.
Built on trust
Flexible credit only works when it is genuinely fair. Everything we offer is transparent by design: clear terms, clear costs, and partners who play by the rules. You will always know what you are agreeing to before you agree to it.
No waiting for payday
No compromising on the piece you really wanted for the one you could just about afford. Just a clearer, calmer way to furnish your home — on a timeline that suits you, not us.
Who we are
Pay it your way is the trading name of Indoor Living Ltd, a UK furniture retailer based in St Helens, Merseyside. We sell the furniture; the credit comes from FCA-authorised lenders we work with, and you choose which one at checkout.
That distinction matters, so we will be plain about it: we are a credit introducer, not a lender. We introduce you to finance providers and never lend to you ourselves, which means your agreement is with them and they are the ones regulated to provide it.
Brindley Road
St Helens
Merseyside
WA9 4HY
Your home. Your terms.
Whether it is a first flat, a living-room upgrade, or finally replacing that mattress — we are here to make it achievable.
Start shopping your way →Some plans are interest-free; others carry a cost depending on the provider and the term you choose. Any figures shown are examples, and your exact amounts are confirmed before you commit at checkout.
Missing payments could affect your credit rating and make future borrowing more difficult or more expensive.
Credit subject to status and affordability checks. 18+, UK residents only. Terms apply. Indoor Living Ltd is a credit introducer, not a lender.
Indoor Living Limited, trading as Pay it your way, is a company registered in England and Wales (company number 15691574). Registered office: 4–5 Brindley Road, Reginald Road Industrial Estate, St Helens, WA9 4HY.
Indoor Living Limited (FRN 1059779) is an Introducer Appointed Representative of Snap Finance Limited (FRN 741813), which is authorised and regulated by the Financial Conduct Authority.
Credit is provided by Snap Finance Limited, subject to status and affordability checks. 18+, UK residents only. Terms apply.