• Interest Free Credit

Interest Free Credit

Now you can spread the cost of your investment in a great night's sleep with up to 2 years 0% APR interest free credit

This easy repayment option is available when you spend over £500 online. The table below shows how much you could spend based on a monthly repayment £50, £60 or £75

Minimum credit balance £350. Subject to status. Written quotation available on request.
Licensed credit brokers – TEMPUR UK Ltd, TEMPUR House, Caxton Point, Printing House Lane, Hayes UB3 1AP

To help you decide here are some of the basics:

Is it easy to do?

Yes! If your order value is more than £500 and is being delivered to your billing address, you will be offered this payment method when you go to check out. Select it and follow the instructions on the screen, entering details as required and we’ll do the rest. You can even sign the agreement electronically.

Is there a deposit to pay?

Yes. You can pay as little as 10% of your order value. You will be asked for your card details to pay it before you go on to complete your loan application.

How much time have I got to repay this?

It depends on how much you spend. The shortest loan term is 6 months but if you order more than £2000 of items then you may take up to 2 years. The options open to you will be presented as you go through the checkout.

When do I start paying?

Your monthly repayments generally start one month after your order has been delivered.

Are there any hidden extras?

No. Interest free credit is exactly that. Your deposit plus your loan amount will equal the total order value on the day you placed it.

When will I get my delivery?

Any orders purchased through our finance option must be shipped to the billing address. You will not be able to modify the shipping address on checkout. As soon as we receive confirmation from Hitachi Capital Consumer Finance that your application has been successful, we will process your order as normal and advise you of an estimated delivery date.

Still not sure or would like more info? Here it is in more depth from our credit providers Hitachi Capital Consumer Finance:

NOTE: FINANCE IS ONLY APPLICABLE TO UK RESIDENTS

When you buy online from Tempur UK you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will be invited to sign your agreement electronically, or receive an e-mail advising you of how to download the finance agreement. In this instance, please read this carefully checking that all the details are correct, then print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Tempur UK are licensed credit brokers

Credit is subject to status and written quotations are available on request. The credit advertised is provided by one credit provider with whom we have a commercial relationship.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

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'll be sent via email, a link to your credit agreement, which can be easily downloaded. Once received, you'll need to read the agreement carefully, then sign and return it to our finance company at the address shown. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

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 us to produce consistent decisions, ensuring all our 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, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

- Your credit score (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 Judgements 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?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating via 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 your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Who is eligible to apply for online finance?

To apply for 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 application under their own names; however we will require the employment details of your spouse in order to process your application.

The credit advertised is provided by one credit provider with whom we have a commericial relationship. Details of our partner are:

Hitachi Capital Consumer Finance is a trading name of Hitachi Capital (UK) PLC
Registered Office: Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP