Interest free credit on selected* orders over £600

We can offer interest free credit on selected* ranges on our website. Order your bed, mattress, furniture and linens online and spread the cost of your purchase into affordable, interest free monthly payments

Typical 0% Interest free credit on beds

Apply for 10 months interest free credit, subject to the order value, status, terms and conditions apply. Written quotations are available on request.

Once you have selected the goods you require and before proceeding to the check out, please contact us on 01273 857388 and complete a simple questionnaire over the phone to see if you qualify for beds on credit. This takes a few minutes and generally you will receive an immediate answer. All you need is a credit card and your bank details.

We offer beds on credit (as well as mattresses, furniture and linens) for any orders of £600 or more.

Finance is arranged by Novuna Consumer Finance and is a simple online procedure.

You have a 14 day right to cancel the agreement. The right to cancel starts from the day after you sign the agreement.

Order value	Terms months	10% deposit	Monthly payments
£600	10	£60	£54.00
£1,000	10	£100	£90.00
£1,500	10	£150	£135.00

Typical Example: Cash price £1000.00. Deposit (10%) £100.00. 10 monthly payments of £90.00. Total payable £1000.00

Typical 0% APR

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Stephen Vokins Ltd trading as Big Brand Beds will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the 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 finance agreement. *

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

If you decline my application, what is the reason?

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

Your credit score (please 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

Credit subject to status and affordability. Terms & Conditions Apply. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk

*Interest Free Credit is not available on any Birlea, Die Zudecke, Euroquilts, Furnitue to Go, Healthbeds, Jay-Be, John Atkinson, Jual Furnishings, Julian Bowen, Metal Beds, Surrey Down or Time Living products.

Updated 24.3.22