No deposit interest free finance

Why wait for the perfect bed? Get up to 30 months of interest free credit at 0% APR on orders over £500

Spread the cost over 6, 10, 20 or 30 months depending on the value of your order. With set monthly payments, there's no need to wait for a great night's sleep.

Finance options

We have a range of finance options available in store and online, all with 0% interest.

For purchases of between £500-£1000, you can split the payments over 6 months
For purchases over £1000, you can choose to split the payments over 6 or 10 months
For purchases over £1500, you can choose to split the payments over 6, 10 or 20 months

In store our finance offer differs slightly.

For purchases of between £500-£1000, you can split the payments over 10 months
For purchases over £1000, you can choose to split the payments over 10 or 20 months
For purchases over £1500, you can choose to split the payments over 10, 20 or 30 months

You'll need to pay 30% deposit which is required after approval.

Also available in store is a buy now pay later option which is available on all orders over £500 with 0% deposit (excluding products taken from store) with a 9 month non-payment period and, if you choose not to settle the full balance at the end of the non-payment period, is followed by 36 monthly payments with a 19.9% representative APR.

The details

Interest free credit is easy to arrange, and we’ll do all the hard work for you.

Found what you’re looking for? Just proceed towards the checkout as normal.

When asked how you would like to pay, click on ‘Apply for finance’ and select a monthly payment amount and period that suits you.

You’ll be asked to fill in some details so should have the following to hand:
- Previous address if you’ve moved in the last 3 years
- Bank details including account number and sort code
- Email address and contact telephone number
- Once accepted, you’ll receive a confirmation email within 24 hours.
Credit is provided subject to affordability, age and status. Minimum spend applies.

2,000

NO DEPOSIT – 0% APR REPRESENTATIVE FINANCE AVAILABLE Find out which option works best for you with our calculator

Lender’s Privacy policies

Full details of how the lenders use your personal information are in the privacy statements below:

V12

V12 Retail Finance Limited act as a credit broker and will introduce you to Secure Trust Bank PLC, their parent company.

Secure Trust Bank PLC privacy statement

V12 Retail Finance Limited privacy statement.

Creation Consumer Finance Limited

Creation Consumer Finance Limited Privacy Policy

Credit Decision explained - Eligibility

Credit Decision explained - Full

Omni Capital Retail Finance Ltd

Privacy Policy

The Direct Debit Guarantee

Creation Consumer Finance Ltd:

This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
If there are any changes to the amount, date or frequency of your Direct Debit, Creation Consumer Finance Ltd will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Creation Consumer Finance Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by Creation Consumer Finance Ltd or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
- If you receive a refund you are not entitled to, you must pay it back when Creation Consumer Finance Ltd asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify Creation Consumer Finance Ltd.

V12:

This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
If there are any changes to the amount, date or frequency of your Direct Debit, V12 Retail Finance will notify you 5 working days in advance of your account being debited or as otherwise agreed. If you request V12 Retail Finance to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by V12 Retail Finance or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
- If you receive a refund you are not entitled to, you must pay it back when V12 Retail Finance asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

Omni Capital Retail Finance Limited:

This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored by your own Bank or Building Society.
If the amounts to be paid or the payment dates change Omni Capital Retail Finance Limited will notify you three (3) days in advance of your account being debited or as otherwise agreed.
If an error is made by Omni Capital Retail Finance Limited or your Bank or Building Society, you are guaranteed to a full and immediate refund from your branch of the amount paid. If you receive a refund you are not entitled to, you must pay it back when Omni Capital Retail Finance Limited asks you to.
You can cancel a Direct Debit at any time by contacting your Bank or Building Society.

Terms and conditions

No Deposit - 0% APR representative finance available, credit is subject to application and status.

Dreams Limited is registered in England and Wales. Company registration number: 08428347. Registered Office: Knaves Beech, High Wycombe, Bucks HP10 9YU and are authorised and regulated by the Financial Conduct Authority, FRN number 679952. We act as a credit broker and not the Lender and offer financial products from Secure Trust Bank PLC trading as V12 Retail Finance. Secure Trust Bank PLC trading as V12 Retail Finance are Authorised and regulated by the Financial Conduct Authority, registration number: 204550. Registered office: One Arleston Way, Solihull, B90 4LH. Credit provided is subject to affordability, age and status. Minimum spend applies, terms and conditions apply. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

Dreams Limited Knaves Beech Business Centre, 14 Davies Way, Loudwater, High Wycombe, HP10 9YU, Company Number 08428347 are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender. Credit is subject to status and affordability. Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518). The register can be accessed through www.fca.org.uk. Registered office 4th - 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast BT16HT(Northern Ireland - company number NI032565).

Finance is provided by Omni Capital Retail Finance Ltd which is a credit provider/ lender. Dreams does not receive payment for introducing customers to Omni Capital Retail Finance. Omni Capital Retail Finance Ltd finance options are subject to individual status, and terms and conditions apply. Omni Capital Retail Finance Ltd is registered in England and Wales with company number 7232938. Registered address: 10 Norwich Street, London, EC4A 1BD. Authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 720279.

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No deposit interest free finance