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No deposit interest free finance

Why wait for the perfect bed? Get up to 20 months of interest free credit at 0% APR

Order right away and spread the cost with interest free finance. Our online finance option offers flexibility to choose your loan length of 6, 10 or 20 months. In return, you simply make regular fixed monthly payments over a set time, so you’ll always know where you stand. No hidden interest charges means you can be rest assured knowing that the price you see is the price you’ll pay. We’ve made this available on all orders of £500 or more.

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

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.

Please remember that any finance offer is subject to acceptance.

You can, if you meet the following conditions:

  • You’re 18 or older
  • You’re in permanent full- or part-time employment, self-employed, retired or receive Disability Allowance
  • You’ve lived in the UK for at least 3 years and will continue to do so
  • Your purchase is delivered to your home address

When you apply online through dreams.co.uk, your interest free credit finance agreement is provided on behalf of Dreams Limited by 1 of 3 lenders, V12, Barclays or Hitachi.

V12

Dreams Limited acts as a credit broker and not a lender who offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Dreams Limited is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 679952. Credit provided subject to status and affordability.

Barclays

Dreams Limited Knaves Beech Business Centre, 14 Davies Way, Loudwater, High Wycombe, HP10 9YU, Company Number 08428347 acts as a credit broker and not the Lender. Dreams Limited offers financial products from Barclays Partner Finance. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753) Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London, E14 5HP.

Hitachi

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, and is provided by Hitachi Capital (UK) PLC.

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.

Barclays Partner Finance

Barclays Privacy policy

Hitachi Capital

Hitachi Capital Consumer Finance and Hitachi Personal Finance are trading styles of Hitachi Capital (UK) PLC

Hitachi Capital Privacy Policy

You sure can! We offer an in-store 0% interest free credit option through a select group of finance companies, on orders of £500 or more. Our store colleagues will walk through the application form with you and you’ll usually find out if you’ve been accepted right away. You’ll then be able to proceed and book a delivery date that suits you. You’ll need to pay 20% of your order as a deposit, after your successful finance application. If it’s declined don’t worry, we’ll be here to help talk you through our other payment methods.

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: 05736216. Registered Office: Knaves Beech, High Wycombe, Bucks HP10 9YU. V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority, registration number: 679653. Registered office: One Arleston Way, Solihull, B90 4LH

Dreams Limited Knaves Beech Business Centre, 14 Davies Way, Loudwater, High Wycombe, HP10 9YU, Company Number 08428347 acts as a credit broker and not the Lender. Dreams Limited offers financial products from Barclays Partner Finance. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753) Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London, E14 5HP.

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, and is provided by Hitachi Capital (UK)