What are my finance options?

Online:

Spend £500-£1000: 6 or 10 months interest free credit
Spend £1,000+: 6, 10 or 20 months interest free credit

In-Store:

Spend £500-£1000: 10 months interest free credit
Spend £1,000-£1,500: 10 or 20 months interest free credit
Spend £1,500+: 10, 20 or 30 months interest free credit

In store: 30% deposit required after approval. 30 months interest free credit available for qualifying orders.

How to apply

Add your items to the basket and proceed to checkout.
When asked how you'd like to pay, select 'Apply for finance' and choose your preferred term and monthly payment.
Have these details ready:
- Previous address (if moved in last 3 years)
- Bank account number & sort code
- Email and phone number
Once approved, you'll receive confirmation within 24 hours.

Credit subject to affordability, age, and status. Minimum spend applies.

Who can apply

You're 18 or older
In permanent employment, self-employed, retired, or receiving Disability Allowance
Lived in the UK for at least 3 years and will continue to do so
Your order is delivered to your home address

Subject to age, status, and minimum spend.

Finance providers

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, Creation Consumer Finance Limited or Omni Capital Retail 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.

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.

Omni Capital Retail Finance Limited

Registered Office: 10 Norwich Street, London, EC4A 1BD | Registered in England & Wales | Company Registration No. 07232938. Authorised and regulated by the Financial Conduct Authority, Reference Number: 720279

In store finance

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.

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: 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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