Finance Terms & Conditions


6 - 24 months 0% APR representative interest free finance

Spread the cost with our interest free finance available online and in store.

Our simple online finance option allows you to spread the cost of your order selecting options between 6 - 24 months (example below)

Choose your repayment period (months)

6 months

10 months

12 months

Deposit to pay

£660

Monthly payment

£24



All you need to do is:

  1. Spend a minimum £2,500 and above
  2. Place a 33% deposit
  3. Minimum finance amount after deposit £1,675 and above

The table below shows you how much monthly repayments will be based on the total order value.

For help with your finance please call 0808 141 5838.

 

Order ValueTerm (Months)Deposit (33%)Monthly Payments
£3,009.90 12 £993.30 £168.05
 

 

Representative Example

  • Cash Price £3,009.90
  • Deposit £993.30
  • 0% APR representative
  • Interest rate 0% fixed
  • Number of Payments 12
  • Monthly Payment £168.05
  • Total Amount payable £3,009.90

And So To Bed Pay By Finance

Finance Example

12 Months Interest Free Finance Example

PLEASE NOTE: You can order online via our website and pay a 33% deposit.
Alternatively, to discuss a different deposit amount please telephone our Expert Team on  0808 141 5838.

How do I choose to pay by interest free credit?

Just select the finance option on the check out page or let the sales consultant know if you're buying in our showrooms.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Credit subject to status and affordability. Terms & Conditions Apply. And So To Bed 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 Novuna Personal Finance, a division of Novuna Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Your questions answered

Here's some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement And So To Bed Limited will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

  • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Who is eligible to apply for online finance?

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

What do I do if I have complaint about finance?

If your complaint relates to the finance linked to your purchase, you can still let us know about this, but we will forward it to your credit provider Novuna. Novuna will acknowledge your complaint, investigate it thoroughly, and issue their response within eight weeks.

What to do if you can't reach an agreement

If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.

They can be contacted in the following ways:

Further details can be found on the Financial Ombudsman Service website: www.financial-ombudsman.org.uk

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. 

When can I expect delivery?

Deliveries for all orders are subject to the leadtimes shown in the basket and the approximate delivery date shown on your order confirmation.

However, for finance orders, once we have confirmation of approval there will be a 2 week processing period before we are able to release your goods. This overrides your approximate delivery date shown in your basket for any items that you ordered that were in stock and due for delivery in 7 days.