Beds on Finance

Spread the cost of your purchases Interest-Free. DivideBuy. The easy Interest-Free checkout

Spread the cost of your new bed purchase by choosing one of our flexible payment options from Klarna. Choose to buy your bed or mattress now, and pay in 3 or 12 months, with 0% interest free instalment options available.

Who are Klarna?

We’ve partnered with a payment provider called Klarna to give you the option of flexible monthly payment options. Founded in 2005 in Sweden with the aim of making it easier for people to shop online. Klarna is now one of Europe’s largest banks and is providing payment solutions for 85 million people across 200,000 merchants in 14 countries. The safe, secure, flexible and hassle free finance option.

Your Finance Options

Pay in 3 - Interest Free Instalments

This is dependent upon a soft credit check which does not affect your credit score or rating and is strictly between you and Klarna, this is not visible to other lenders. There are no interest fees or surcharges providing your account is settled on time. However non payment will effect your credit score. Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions.

Minimum Order value £199.

Financing - Monthly Financing at 19.9% APR

Minimum order value £599.

FINANCE REPRESENTATIVE EXAMPLE

	Pay in 3 Interest Free	Financing at 19.9% APR
Cash Price	£599.00	£599.00
Deposit	£0.00	£0.00
Total Amount on Credit	£0.00	£60.98
Number of payments	3	12
Rate of Interest (variable)	0%	19.9%
Representative APR	0%	19.93%
Monthly Repayments	£199.66	£55.00
Total amount Payable	£599.00	£659.98

Payment calculator

Type in Amount (£)

Choose payment option

Pay in 3 interest free

(Minimum £199)

Minumum amount not met

Financing at 19.9% Apr

(Minimum £599)

Minumum amount not met

What you pay

Your monthly payments

£0

FAQs

How does Pay Later in 3 interest free monthly instalments work?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Time 4 Sleep Ltd and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

Am I Eligible for Pay later in 3 interest free monthly instalments?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders.

Why have I not been offered Pay Later?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

What happens if I don’t pay

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Time4sleep from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Time 4 Sleep Ltd. All transactions take place via connections secured with the latest industry standard security protocols.

What if I cancel my order

As soon as Time 4 Sleep Ltd have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

Can I pay early?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

How do I contact Klarna

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.

Please find links below to Klarna’s website where you can find more information on Klarna.

www.klarna.com/uk/customer-service
Local number: 0203 0050 833
Freephone number: 0808 1893 333

Can I pay less than the amount owed each month?

You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).

Who is Klarna?

Klarna is a Swedish Bank and payment service provider that takes end-to-end responsibility for your finance. Klarna is the provider of ‘smoooth’ payments to more than 205,000 online stores, over 85 million consumers worldwide and manages over 1 million transactions per day. Time 4 Sleep along with many other leading high street brands has trusted Klarna to securely handle our finance offer.

How does Finance Work?

Spread the cost of your purchase into equal monthly payments, you can choose from 6 month interest free credit or 12 month at 19.9% APR. Please note that finance is a promotional offer and can not be used in conjunction with any other promotion.

How do I use financing?

At the checkout please select the option for Klarna Finance and choose your preferred term 6 or 12 months. You have to pay a minimum of 10% deposit but you can pay more. You will then complete a simple application with Klarna. Once you are approved you will be asked to pay your deposit, once this is done you will be sent back to the checkout and you can complete your purchase. Sit back and relax, we will send you your purchase.

Who can apply for finance?

Financing is only available to people aged 18 or over. Maximum age 80 (at the end of the agreement). Minimum 3 years UK residence and address history. Applicants must have a bank account which can make payments via Direct Debit.

Customers must be either:

Full Time Employed
Part Time Employed
Self Employed
Military
Retired
In receipt of Disability Allowance

How do I manage my Klarna account?

If you have an active account (finance) with Klarna you can email customer services on cs.uk@klarna.com.

This is different for customers with Pay in 3, please refer to the Pay in 3 section for these details.

Is my payment information safe?

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.

How do I make a payment?

Your monthly payments will be made by direct debit. If you would like to pay your finance off early or make an additional payment please contact cs.uk@klarna.com.

I have cancelled my order how long will it take to receive a refund?

As soon as your return has registered your cancellation or your return, the refund will normally be processed within 7 business days. Your deposit will be returned to the card you used to make your deposit and any monthly payments will be returned to the bank account you used to make your payments.

Does Time 4 Sleep Share my data?

Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy notices.

How long do I have to cancel a finance agreement?

You have 14 days to cancel your finance agreement, this does not mean your goods can always be returned, please refer to Time 4 Sleep’s Terms and Conditions for the product you are purchasing.

Can I pay less than the amount owed each month?

Time4Sleep Ltd, Lacy Way, Lowfields Business Park, Elland, West Yorkshire, HX5 9DB is authorised and regulated by the Financial Conduct Authority (FCA FRN 922461) and acts as a credit intermediary and not a lender, offering credit products provided [exclusively by Klarna Financial Services UK Limited] [by a limited number of finance providers, including Klarna Financial Services UK Limited]. Please note that [Pay in 3 instalments] [and] [Pay in 30 days] agreements are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs and late fees apply. Klarna.com/uk/terms-and-conditions