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Beds on Finance

Spread the cost of a great night's sleep

Woman sleeping on showroom mattresss
  • No deposit required.
  • Simply apply during checkout.
  • Payments start after delivery of your product.
Finance Options Available
12 months (0% APR)
24 months (9.9% APR)
36 months (9.9% APR)
48 months (9.9% APR)
Representative Example based on spend of £1,000
Total:
£1,000
Deposit:
£0
Finance Value:
£1,000
Terms:
48 months
APR:
9.9%
Monthly Payment:
£25.12
Total Payable (inc deposit):
£1,205.76

To apply for finance you must:

  • Have an order value between £250 and £25000
  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by Direct Debit
  • Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your partner who is in regular employment

* If you are retired and receive a pension or registered disabled and unable to work, our finance provider may ask for proof of sufficient income. Credit is subject to status. Terms and conditions apply.

In addition to our current finance packages, Penketh Floor Coverings Limited offers an interest-bearing credit facility through Snap Finance Ltd at Representative 29.9% APR. Snap Finance Ltd act as the lender. Credit Subject to Status. Terms and conditions apply. Snap Finance Ltd is a company registered in England and Wales. Registered Number 08080202. Registered address: Snap Finance Ltd, 1 Vincent Avenue, Crownhill, Milton Keynes MK8 0AB. Any promotion and/or advertisement for credit facilities made on this website do not reference Snap Finance Ltd. Customers will only be offered Snap Finance at the discretion of Penketh Floor Coverings Limited.

Buy your bed with Klarna spread the cost. Pay in 3 or pay in 30 days

Don't spend 1/3 of your life sleeping on a bed or mattress that doesn't suit your needs!

At Land of Beds, we understand the importance of finding the perfect bed for a good night’s sleep, but we also know it can be a significant investment, especially when on a tight budget. That’s why we offer transparent financing options, including beds on finance, that make it easy to spread the cost of your purchase over several months or even years. With no set-up fees, deposit requirements, or hidden costs, you can rest assured that you are getting the best deal possible.

Our bed and mattress financing options are available online, over the telephone, and in-store, and we provide a quick decision on your application. This means you can get the bed you need without paying for it all at once, making it more affordable and manageable for your budget. You can see your payments in our pay monthly product options table, which includes a representative example to help you understand the terms. Our choice of retail finance partner provides peace of mind and security, so you can be confident that your purchase is in good hands.

So, say goodbye to the stress of large upfront payments and hello to the comfort of paying over time. Take advantage of our interest-free credit and pay monthly options today and transform your bedroom without worrying about the cost. Shop now and discover our flexible and affordable financing options for the mattress, bed, or bedroom furniture you desire.

Why Choose Our Bed Financing Options?

  • Spread the Cost: Easy "pay monthly" plans
  • Transparent Terms: No hidden fees or deposits
  • Quick Decisions: Fast application process
  • Multiple Channels: Apply online, by phone, or in-store
  • Interest-Free Options: Available on selected items

How Our "Pay Monthly Beds" Plans Work

  1. Choose your ideal bed, mattress, or piece of bedroom furniture
  2. Select a finance plan that suits your budget
  3. Apply for credit with our trusted finance partner
  4. Receive a quick decision
  5. Enjoy your new product while paying monthly

Benefits of Our "Pay Monthly Beds" Options

  • Get the bed you need now without waiting
  • Improve your sleep quality immediately
  • Manage your budget effectively with "beds on finance"
  • Take advantage of current sales and promotions

Don't let financial constraints keep you from the restful sleep you deserve. Explore our range of products today and invest in your well-being without breaking the bank.

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Frequently Asked Questions

  • How much can I spend using finance for my orders?

    You can use finance for orders ranging from £250 to £25000.

  • What do I need to apply online?

    Previous address if you have lived in your current home for less than three years.

    Bank details (sort code and account number)

    Email address and contact telephone number - Your daytime (home or work) and/ or your evening phone number – one of which must be a fixed landline.

    You must be at least 18 years of age, be able to make repayments by Direct Debit, and be in regular employment (min. 16 hours per week), including self-employed or permanent residence with your partner who is in regular work.

  • Which credit reference agencies do you report to?

    We currently report to Experian, TransUnion, and Equifax. If you have any questions about your credit file, you should speak to the credit reference agency in the first instance. If you want to remove a third party from your account, you must let us know by phone, email, or secure message.

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