No deposit interest free finance

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
• Subject to age and status, minimum spend applies

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.

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

Novuna Privacy Policy

Creation Consumer Finance Limited

Creation Consumer Finance Limited Privacy Policy

Credit Decision explained - Eligibility

Credit Decision explained - Full

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.

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.