No deposit interest free finance
Why wait for the perfect bed? Get up to 20 months of interest free credit at 0% APR on orders over £500
How do I apply?
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.
Who can apply for interest free Credit?
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
Who provides the finance?
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, Novuna or Creation Consumer Finance Limited.
V12
V12 Retail Finance Limited act as a credit broker and only offers credit products from Secure Trust Bank Plc trading as V12 Retail Finance for which they will receive a commission. Not all products provided by V12 Retail Finance are regulated by the Financial Conduct Authority.
Novuna
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 Mitsubishi HC Capital (UK) PLC.
Creation Consumer Finance Limited
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 is authorised and regulated by the Financial Conduct Authority. Registration Number 679952. Dreams Limited offers financial products from Creation Consumer Finance Limited. Registered Office: 4th - 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT (Northern Ireland - company number NI032565). Authorised and regulated by the Financial Conduct Authority. Registration Number 311518.
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.
Novuna
Novuna Consumer Finance and Novuna Personal Finance are trading styles of Mitsubishi HC Capital (UK) PLC
Creation Consumer Finance Limited
Creation Consumer Finance Limited Privacy Policy
Can I apply for finance in-store?
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 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.
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.
Novuna:
- This Guarantee should be retained by the Payer.
- 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, Novuna Personal Finance will notify you 10 working days in advance of your account being debited or as otherwise agreed.
- If you request Novuna Personal 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 Novuna Personal 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 Novuna Personal 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.
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. V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority, registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH
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 Mitsubishi HC Capital (UK) PLC.
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).