Finance

  • The flexible, affordable way to pay
  • 10% deposit required
  • First installment 30 days after you recieve your delivery

We know a new Bed is an investment, whether your old one has broken or you're kitting out a new home. That's why we offer the option to Pay on Finance. If you spend £279 or more online, you can choose to spread the cost of your purchase over a time to suit you, whether it's 6 ,9 ,12, 24 or 36 months. Just select the Pay on Finance option when you check out.

0% interest on all orders over £349

We offer up to 9 months interest free credit on all orders over 349

It's as easy as:

  • Add your products
  • Select Pay on Finance
    at checkout
  • Complete the easy
    application

Representative Example

We want our Pay on Finance option to be as easy to understand and straightforward as possible. We've created the chart below to tell you how much you'll pay back per month. On selected products, Interest Free and Buy Now Pay Later payment options will be available as part of specific promotions.

Loan Calculator
Use this calculator to see which finance option suits your purchase.


Finance is subject to status. Terms and conditions apply.
Total amount repayable . APR representative.

 

Finance Terms and Conditions

If your application is successful, you’ll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.

Pay on Finance for interest-bearing credit products is available over 12, 24 or 36 months, subject to status. From time to time, we may offer an interest-free credit product over 6 or 12 month terms, at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, V12. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12’s parent company.

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Buy Now Pay Later and Interest Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.

FAQs

Who is eligible to apply for finance?

Finance is available on orders of £279 or more, placed on our website. This amount includes any additional services and delivery options selected, however does not take into account any promotions, such as cashback.

You'll need to be:

  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

     

Other conditions may apply and we cannot guarantee that your application will be accepted.

* If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, V12 – our 3rd party financial services provider - will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. It's important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option.

If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card; the details are only used to check that they are valid and registered to your address.

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:

  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • your existing account performance with other lenders.

     

If you wish to appeal the decision made by V12, it’s advised you obtain an up to date copy of your credit report before appealing directly to V12. Due to data protection, all customer appeals must be email to support@bedkingdom.co.uk or for more advice, call V12 on 01924 950 108.

A little bit about V12 Retail
Finance, our 3rd party provider

We've teamed up with V12 Retail Finance Limited ("V12") to offer you a flexible and affordable option to pay on finance. V12 is the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

Loan Calculator
Use this calculator to see which finance option suits your purchase.


Finance is subject to status. Terms and conditions apply.

Total amount repayable

APR representative

Pay later with Klarna

Buy it. Love it. Pay for it.
  • 30 days to pay with no interest or fees for the service - ever
  • Simple, safe and secure
  • Get the goods first. Pay later.
Shop with just a few clicks!
1 2 3 4 5
Select ‘Pay later’ at checkout. Enter a few personal details - name, email, postcode and DOB. No card information required! Complete the purchase and your items will be shipped. Receive payment instructions from Klarna via email Enjoy your goods and pay when you’re ready!
Pay later FAQ’s
Shopping with Klarna

You can review your latest buys and settle your monthly statement at any time by logging in at klarna.com/uk or by downloading the Klarna app.

If you need further assistance you can contact our customer care team for free, or use our online chat service.

Peace of mind with Klarna’s Buyer Protection

You only pay for goods you receive. If you don't receive what you ordered, call our customer services and we’ll help resolve the issue.

More about Klarna’s Buyer Protection

Contact Klarna

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.

Please find links below to Klarna's website where you can find more information on Pay later.

Click here for information regarding Pay later.

Click here for frequently asked questions or Klarna's Customer Service

www.klarna.com/uk/customer-service

Local number: 0203 0050 833

Freephone number: 0808 1893 333

About Klarna

It’s all about smoooth (yes, with 3 ooo’s). Klarna is Europe’s leading alternative payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, the fintech unicorn gives online consumers the option to pay now, pay later or over time – offering a trusted, frictionless and smoooth checkout experience.

With Klarna, customers only need to provide top-of-mind information to complete a purchase. At the core of Klarna’s services is Pay later, which lets you check out items in your own home before you pay.

Klarna now works with 100,000 merchants to offer payment solutions to shoppers across Europe and North America. Klarna has 2,000 employees and is active in 14 countries.


www.klarna.com

 

Pay later in 3 instalments with Klarna

Forget FOMO. Pay later in 3 equal instalments.
  • Get what you love now. Pay over time.
  • One part payment at purchase and 2 further payments at 30 and 60 days
  • Automatically collected monthly from your chosen debit or credit card
  • No interest or fees - ever
  • No credit application required
  • Simple and safe
Shop with just a few clicks!
1 2 3 4 5
Select ‘Pay later in 3’ at checkout Enter your address, email, mobile and card details The first part payment will be taken from your card when the goods ship. Receive your goods and enjoy! The two remaining payments will be taken at 30 and 60 days. You will receive notifications when payment is due and when it is collected.
Product FAQs
Shopping with Klarna

You can view all of your Klarna purchases and payment schedule simply by logging onto klarna.com/uk. If you need further assistance you can contact our customer care team for free, or use our online chat service.

Peace of mind with Klarna’s buyer protection

You only pay for goods you receive. If you don't receive what you ordered, call our customer services and we’ll help resolve the issue.

More about Klarna’s Buyer Protection

Contact Klarna

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.

Please find links below to Klarna's website where you can find more information on Klarna.

Click here for information regarding Klarna’s products.

Click here for frequently asked questions or Klarna's Customer Service

www.klarna.com/uk/customer-service

Local number: 0203 0050 833

Freephone number: 0808 1893 333

About Klarna

Klarna is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’ adding value for both the consumer and merchant with our unique payment options and customer experience.

Klarna was founded in 2005. In 2014 we joined forces with SOFORT and formed Klarna Group and in 2017 acquired BillPay. Today we have 2000 employees in 14 markets and lead the way for European alternative payments serving 60 million consumers and 100,000 merchants.

www.klarna.com

Klarna - Up to 9 months interest free credit

Slice it with a Klarna Account 

Pay over time.
  • Spread the cost of your purchase into equal monthly payments without paying interest.
  • No complex forms during the Klarna Account application - only 4 steps!
  • Credit decision made in real-time.
  • Once approved, you will start a Klarna Account and make payments monthly.
  • You can also use this Account to finance future purchases up to your credit limit.
  • No passwords to remember. You will be emailed monthly statements.
  • You can choose at any time to start paying the minimum monthly payment instead with interest.
  • You’re in control. Better management of your finances to spend how and when you want.

Don’t forget to pay. If you miss monthly payments, promotional interest rates are cancelled and you will be required to pay interest on repayments. Representative 18.9% APR (variable)

Representative example of interest incurred if you miss a repayment

Representative (Variable)

18.9% APR

Purchase Interest Rate

18.9% p.a.

Assumed Credit Limit

£ 1,200

Credit is offered subject to financial circumstances. You must be at least 18.

The Klarna Account. How it works.
1 2 3 4 5 6
Add items to your basket and go to the checkout. Select ‘Slice it with Klarna’ and choose your promotional plan to start the online application process. Provide information about your financial circumstances and carefully read the pre-contract and information documents. Read the Klarna Account Agreement and click “sign” to confirm that you want to apply. The credit decision will be made instantly. If you are approved, Klarna sends you a confirmation by email and sends the Klarna Account agreement by post. Confirmation and monthly statements with payment instructions are sent by email. It’s easy to use again - once you’ve been approved you can order in the future with just one click.
Manage your Klarna Account

You can review your latest buys and settle your monthly statement at any time by accessing your Klarna account at www.klarna.com. If you need further assistance you can contact our customer care team for free, or use our online chat service.

www.klarna.com/uk/customer-service

Local number: 0203 0050 833

Freephone number: 0808 1893 333

Please find links below to Klarna's website where you can find more information on Slice it.

Click here for information regarding Slice it.

Click here for frequently asked questions or Klarna's Customer Service

About Klarna

Klarna is one of Europe's fastest growing companies and a leading alternative payment provider. Klarna’s vision is to make all payments ‘smoooth’ adding value for both the consumer and merchant with our unique payment options and customer experiences.

Klarna was founded in 2005. In 2014 we joined forces with SOFORT and formed Klarna Group and in 2017 acquired BillPay. Today we have 2000 employees in 14 markets serving 60 million consumers and 100,000 merchants.

www.klarna.com

 

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