No deposit interest free finance

Why wait for the perfect bed? Up to 20 month’s interest free credit 0% APR

Order right away and spread the cost with Interest free finance. Our online finance option offers flexibility to choose your loan length of 6, 10 or 20 months.

You then make regular fixed monthly payments over a set time, which suits you.

There are no hidden interest charges - the price you see is the price you’ll pay. All that we ask is that the value of your order is £300 or more.


How do I apply?

It’s super easy to apply - 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:

Address and Mortgage/Rent Details

Employment Details

Bank details including account number and sort code

Email address and contact telephone number

The application will then ask you to complete a security check to confirm your identity.

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 finance?

If you meet the following conditions, you will be able to apply for Interest Free Credit:

  • You must be 18 years of age or over
  • You’re in permanent full or part time employment, self-employed, retired or receive Personal Independence Payments ( PIP )
  • You have lived in the UK for at least 36 months and will continue to do so
  • Your purchase must be delivered to your home address


Who provides the finance?

When applying online through, your interest free credit finance agreement is provided on behalf of Hometime Group Limited by Creation Finance, a partner of one the world’s biggest banks, BNP Paribas, who help over 4 million customers manage their money every day.


Terms and conditions:

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

Hometime Group Ltd act as a credit intermediary.

Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518). Registered in Northern Ireland, Registration No. N1032565. Registered office: Wellington Buildings, 2-4 Wellington Street, Belfast BT1 6HT.

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