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Finance Options

Interest Free Credit with payments beginning approximately 30 days after delivery.

Spread the cost with our 0% finance available online and in store.

This finance option allows you to spread the cost of your purchase with an agreed monthly payment over 6, 12 or 24 months. There is no deposit required, however, putting down a deposit will reduce the amount of your monthly payments.

Your agreement will start after delivery of your goods. At this point, your 6, 12 or 24 month payment period will begin, with no interest being incurred. If you wish to pay back the remainder of the loan early, there is no additional fee.

All you need to do is have a minimum finance amount after deposit of £500 and above. These 3 simple 0% interest finance options help you spread the cost of your purchases.

  • 6 months interest free finance, with the first payment around 30 days after delivery on orders of £500 and above

  • 12 months interest free finance, with the first payment around 30 days after delivery on orders of £1000 and above

  • 24 months interest free finance, with the first payment around 30 days after delivery on orders of £1700 and above

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

Order ValueTotal Term (Months)Defer Term (Days)Deposit (10%)Monthly Payments
£550630 Days£50£83.33
£11001230 Days£100£83.33
£18702430 Days£170£70.83

Representative example:

Cash Price £1,100

Deposit £100

Loan Amount £1000

APR representative 0% p.a. fixed

Interest rate 0% p.a. fixed

12 monthly repayments of £83.33

Total term of loan agreement 12 months, with the first payment deferred for approximately 30 Days

Total Amount Payable £1000

Early Settlement Fee £0

14 day cooling off period – If you change your mind on the finance agreement. This does not cancel your order with Sussex Beds, so you would be required to find other means to pay for the goods unless the Sussex Beds standard 3 day cancellation period still applies.

If you require any further information about finance please call your local store – find it here!

Finance FAQ

How do I choose to Pay by Finance?

Just select the finance option on the checkout page or let the Bed Specialist know if you’re buying in our store.

Who is eligible to apply for online finance?

To apply for online 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 the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin approximately 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.

Applying for online finance

Applying for online finance couldn’t be easier or more convenient. When you buy online from Sussex Beds trading as Sussex Bed Centre Distribution LTD you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be ordered.

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 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 Sussex Beds trading as Sussex Bed Centre LTD 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, dependant on the lead time of the products.

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 consistent decisions to be provided, ensuring all 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, 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 declining 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

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

Some of the information is public information, for example electoral roll, County Court Judgments 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?

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF

Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to 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 circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

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.