Beds on Finance – Pay Monthly Options

Credit Options Available
Beds on Finance
10/10Our Score
  • Up to £500 Credit
  • Beds
  • Sofa Beds
  • Furniture
  • All Credit Types Considered

Pay weekly beds bad credit

Looking for bed finance options with bad credit? Look no further than our top-rated UK catalogues. Order now and enjoy interest-free finance to spread the cost. Choose from 6, 10, or 20-month loan terms with our online finance option. Simply make regular, fixed monthly payments over your chosen period. Rest assured, the price you see is the final price. This offer is available for all orders over £500, complete with a direct debit instruction. We’re not a lender, so you can spend interest-free. Use our finance calculator to determine your monthly cost. Apply online now and enjoy these benefits.

bed finance uk

0% Financing on Headboards, Mattresses, and Beds

We want you to have a great night’s sleep. Our huge selection of beds can be financed just like the carpets on finance we discussed inner previous guide, so you can spread the cost with interest-free splits using V12 Retail Finance. Complete with a direct debit instruction, we’re not a lender, and you can spend interest-free. Determine your available monthly payment with our finance calculator. Choose your payment method, whether by credit or debit card, and enjoy a monthly cost that suits your budget. For those with a building society current account and permanent residence, apply online today. Minimum spend applies.

Spread your payments using the following options:

  • 6-month interest-free agreement
  • Ten Months Interest-Free
  • 12-month interest-free contract

Minimum spend £335.


Qualifying for Credit

To apply for our finance options, you must be a minimum of 18 years old and have been a UK resident for at least 3 years, with a permanent residence. Direct debit is a convenient way to repay your debts, and regular employment is required. You can apply online today, and a minimum spend applies. As a lender, we offer finance options with 0% APR, allowing you to spread the total amount of your purchases over a period that suits you. Whether it’s for your current home or future plans, including pension purchases, our finance options make it easy to manage your finances week by week.

bed finance buy now pay later

How do I apply?

Are you looking for beds on finance with no credit check and no deposit near me? We make it easy to arrange interest-free credit and do all the work. If you’ve found what you’re looking for, proceed to the checkout as usual. Click on “Apply for Finance” to select the monthly payment amount and time that suits you. When asked for information, it’s important to have the following ready: if you’ve moved within the last three years, please provide your previous address; your bank details, including account number and sort code; and your contact telephone number and email address. Within 24 hours of your acceptance, you’ll receive confirmation emails. Remember, all finance offers are subject to acceptance.

If you have any questions about society, refund, representative, or anything else, talk to us on behalf of V12 Retail Finance, the lender. We introduce affordable finance options that help you manage your life. Once approved, you can settle the total amount in a way that suits you. Fill out the necessary forms to complete the application process and shop worry-free. For instance, if you’re registered in England and Wales, applicable finance options are available.

bed finance no credit check

Select your size

There is no one size fits all. You can choose from single, small, double, triple, king, and super king options.

Select your type mattress

Choose between memory foam, pocket sprung, temperature regulating, eco friendly, rolled for easy and many other options

Select your frame or base 

You can choose from many divans, ottomans, frames and other options depending on your storage or style requirements.

Select your signature style 

Choose from a wide range of headboards, feet and fabrics.

bed finance catalogues

Most Frequently Asked Questions

Is it possible to finance a bed? We understand that budget constraints can be frustrating and we want you to get the perfect bed. All of our beds are eligible for interest-free finance, as long as you meet the requirements.

Rejected Credit Applications
You will be notified by email from V12 Finance if your credit application has been declined. They will also provide further instructions on how to appeal the decision.


Can I reapply if my application was not accepted?
Yes. Yes. We understand that circumstances can change. Just because we turned down an application in the past does not automatically mean we will turn down another request. However, we recommend that you wait at least six months between your applications.

How can I request delivery at an address other than my house?
We regret that we are unable to deliver goods to addresses other than the one provided by the applicant in order to protect ourselves against fraudulent applications. If Saturday morning delivery is more convenient, you can arrange for this.

What is the maximum amount I can borrow?
Maximum credit limit is £15,000. You can borrow up to £15,000.

Is a deposit required?
You don’t need to deposit any money to finance your order. However, we will accept 50% of the monthly payment if you are interested in lowering your monthly payments.

How do I make my monthly payments?
Direct debit is used to pay your monthly bills. The first payment is due approximately one month following delivery. Each month, you will pay the monthly installments for the duration of your term starting on the day that you receive them.

Will the finance company conduct a credit check on you?
Yes.

Is it possible to pay off my agreement early?
Yes.

bed finance catalogues

If I change my mind, can I cancel my credit contract?
Section 66A of 1974 Consumer Credit Act provides that you have the right to cancel the agreement at any time. This includes the period of 14 days from the date of signing the agreement or the date after which it was made. You must notify the finance company in writing, by phone or email if you want to withdraw. Your credit agreement will clearly show the name of your finance company (see contact details below). You must notify your finance company of your intention to withdraw the credit.

Can I use clarna to purchase a bed?

You can spread the cost of your new mattress purchase with one of our flexible payment plans from Klarna. You can buy your mattress or bed now and pay it off in three, six or twelve months with no interest.

What does it mean for a bed to be financed?

What does it mean to finance a mattress? A mattress financing is similar to getting a mortgage , opening a credit card or taking out car payments . You can spread the cost of the mattress over multiple months with financing. The mattress becomes yours once it is fully paid off.

Finance a bed: Is it a good idea?

mattress loan can be a way to build a credit history if you pay your bills on time, and you pay your purchase in full. If your credit score isn’t great, you can finance a mattress by making timely payments and putting your money aside.


What credit score is required to buy a mattress?

No annual fee Interest rate: 29.99% variable APR Recommended credit scores: 400+ Late payment fees: $38 Intuitive Rate: 0% for up 60 months Balance Transfer Rate Rate: 0% for up 60 months

Can financing a bed help build credit?

Financing a mattress can help establish credit if you pay your bills on time. If your credit score is not the best, you can finance a mattress and make timely payments to improve it.

Is Progressive leasing real?

Progressive Leasing is an alternative to traditional financing that helps merchants and retail stores obtain financing for customers with poor credit.

Does Afterpay do a credit check?

AfterPay allows online shoppers to defer payments by using a digital payment platform. You can make weekly payments until you have paid all the items. AfterPay is free and does not require a credit check.

Progressive Leasing checks your credit history?

What is the impact of this inquiry on my credit score? Progressive Leasing only makes soft inquiries to the three major Credit Bureaus (Transunion Experian & Equifax). However, soft inquiry is not offered by other secondary bureaus.


Is it worth buying a bed frame?

If you want to sleep comfortably at night, a bed frame is essential. Bed frames are expensive and bulky, but they can keep allergens, mold, and insects out of your mattress. They will also support your foundation or box spring for many years.

Which bed is larger, queen or king?

60 inches (5 ft) wide by 80 inches (6 ft, 8 in) long are the dimensions of the queen mattress. The dimensions of the king mattress are 76 inches (6 foot, 4 inches) wide by 80 inches (6 foot, 8 inches long).

Which type of bed is strongest?

Solid wood bed frames offer durability and are resistant to pressure and force.

Learn more about our recommended top lenders

Finance is subject to status. We reserve the right to change the terms of any finance offer from time to time. You must be at least 18 years old, be in regular employment, and be a UK resident for at least 3 years to be eligible for finance. There may be other conditions that apply and we cannot guarantee acceptance of your application. We reserve the right at any moment to withhold finance for certain products. Our external partner V12 Retail Finance provides financing as a payment option. If you are successful with your application, you will be entered into a Credit Agreement through V12 Retail Finance.