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
0% interest free credit
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.
Online
- For purchases of over £500 you can split the payments over 6, 10 or 20 months
In store
- For purchases of between £500 and £1,000 you can split the payments over 10 months
- For purchases over £1,000 you can choose to split the payments over 10 or 20 months
- For purchases over £1,500 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.
* 30 months interest free credit available in store only.
The details
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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.
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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
- Subject to age and status, minimum spend applies
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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 30% 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 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
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: 14 Knaves Beech Business Centre, Davies Way, Loudwater, High Wycombe, Buckinghamshire. 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.
Dreams Limited 14 Knaves Beech Business Centre, Davies Way, Loudwater, High Wycombe, Buckinghamshire. 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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Monday to Friday, 10am to 4pm
Saturday, Closed
Sunday, Closed