Free delivery
on all orders*
Interest free credit
0% APR representative
UK made
beds & mattresses
100-night
comfort guarantee
Spread the cost over 6, 10, 20 or 30* months on orders over £500 for online and store orders so you’ll always know where you stand
We have a range of different finance options available in store and online, all interest free! Online select from 3 different options, 6, 10 or 20 months, all with no deposit. In store our finance offer differs slightly:
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:
You can, if you meet the following conditions:
When you apply online through dreams.co.uk, your interest free credit finance agreement is provided on behalf of Dreams Limited by 1 of 4 lenders: V12, Novuna, 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. 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.
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.
NO DEPOSIT – 0% APR REPRESENTATIVE FINANCE AVAILABLE Find out which option works best for you with our calculator
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
Omni Capital Retail Finance Ltd
Privacy Policy
Creation Consumer Finance Ltd:
V12:
Novuna:
Omni Capital Retail Finance Limited:
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. V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority, registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH
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.
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.