0% APR Finance

Bedtime Finance Options


Beds on Finance with 0% APR Options


Bedtime wants to make it easier for everyone to find their perfect bed. You shouldn’t have to wait around to get a better night’s sleep.

That’s why we offer beds on finance, with 0% APR and a variety of payment paths to choose from that suit your budget best.

With no deposit required, you can order today and spread the cost with interest-FREE finance on purchases with a minimum order value of £300 (Finance subject to acceptance).

The price you see is the price you pay. There are no hidden charges, and you should have no issue spreading the cost into manageable payments with monthly costs that suit every budget.

And don’t forget, we have FREE all-Ireland delivery on orders too, so there are no hidden charges when you order on finance.


Applying for a bed on finance

We hate the idea of having to jump through hoops to apply for finance.

That’s why we work with providers who streamline the application process and make it easy to get the likes of a mattress or super king bed on finance.

It’s super easy to apply. To get started, simply select your products, and proceed to the checkout as normal.

When you’re asked, ‘How would you like to pay?’, click on ‘Apply for Finance’ and select the monthly payment amount and period that works best for you.

Bedtime customers can choose from 6,10,20,30 & 36 month plans.


You’ll then be asked to fill in the following details:


  • Email address & contact number
  • Home address & mortgage / rent details
  • Employment details
  • Bank details, including sort code and account number

The application will then ask you to complete a brief security check to confirm your identity and that’s it. The checks will take place, and once accepted, you’ll receive a confirmation email. 



Who can apply for a bed on finance?

You will be able to apply for interest-free finance on a new bed when you meet the following conditions:

  • You are 18 years of age or over
  • You have lived in the UK for at least 36 months
  • Your purchase will be delivered to your home address

If you have any questions about orders and beds on finance, please get in touch.


Who provides the finance when buying a bed on Finance?

When applying online through bedtime.co.uk, your interest-free finance agreement is provided on behalf of Hometime Group Limited (trading as Bedtime) 6-16 Duncrue Crescent, Belfast, Antrim, BT3 9B - Company number NI619108.

Authorised and regulated by the Financial Conduct Authority - Registration number 725324.

Hometime Group Limited act as a credit broker, not the lender and only offer credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Applications are subject to status and not all credit products offered are regulated by the Financial Conduct Authority. 


Terms and conditions:

  • No Deposit - 0% APR representative available
  • Finance is subject to application and status
  • Hometime Group Limited acts as a credit broker and not the lender
  • V12 Consumer Finance Limited acts as the lender
  • Finance is subject to application and status
  • Finance is only provided for purchases between £300 and £2500
  • Hometime Group Ltd act as a credit intermediary.



View all our Beds and Mattresses all eligible for interest FREE Finance

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