Beds And Mattresses On Finance

Now we've made our beds and mattresses more accessible than ever before - with great finance packages available to spread the cost.

Bedstar, the online bed superstore ensure that you don't have to compromise on the bedroom furniture that you have in your home by providing an array of finance packages to suit your every need.

You can get standard finance packages completed online, starting from £300 with interest free finance being available to apply for when you spend over £749 – basically the more you spend, the more time you have to pay!

0% APR Finance Example

We also offer 0% Interest free credit which is available on all products for sale above £749.00 (see example below).

Cash Price	£1000.00
Deposit 50%	£500.00
Amount Of Credit	£500.00
Cost Of Loan	£0
Total Amount Payable	£500.00
Payable By 6 monthly payments	£83.33
APR	0%

19.5% APR Finance Example

Cash Price	£1000.00
Deposit 50%	£500.00
Amount Of Credit	£500.00
Cost Of Loan	£49.95
Total Amount Payable	£549.95
Payable By 12 monthly payments	£45.83
APR	19.5%

Please note: Finance examples shown above are subject to status. Terms and conditions apply.

How To Apply

You can apply for credit by selecting this method of payment at the final stage of the checkout process, it only takes a couple of minutes and you'll get an instant decision.

Qualifying For Credit...things you will need...

To Apply for finance you must meet the following criteria:

You must be over 18 years of age.
You must be a UK resident with at least 3 years continual address history.
You must be in full time employment, unless retired or a house person with a spouse in full time employment.
You must have a UK bank account capable of accepting Direct Debits.
The goods must be delivered to your home address.

The Benefits Of Buying Bedroom furniture With Credit

Buy the bed you want with just a 10, 25% or 50% deposit.
Select 6*, 12, 24 or 36 month repayment periods.
Invest in more expensive products now but with low monthly payments
One stop shopping, no need to go to the bank to secure funding.
Keep cash for day-to-day expenses.
Fixed Payments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.

Frequently Asked Finance Questions

How Much can I Borrow?
When checking out, just fill out Pay4later's easy online application form and you can be approved for up to £12,000 to use for the bedroom furniture you wish to purchase. Use our Calculator to determine how much you can spend based on your monthly payments. The minium priced item with credit available is £300.00.

Is A Deposit Required
Yes, a minimum 10% deposit will need to be paid upon acceptance. To qualify for our Interest Free offer you will need to pay a 10, 25 or 50% deposit.

How Are My Monthly Payments Made?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What Type Of Products Can I Buy On Finance?

Anything on our website!! Please remember that the minimum order value for finance is £300.00

What Length Of Repayment Is Available?

You can choose a 6*, 12, 24 or 36 month loan repayment period.
*6 months payment terms are only available on orders over £749

How Do I Apply?

You can apply on our website, simply follow the checkout process and select Pay4later as a payment method.

Can I Pay Off My Loan Early?

You can settle your loan agreement at any time. Simply contact Pay4later and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.