Interest Free Credit - Finance FAQs

Now you can spread the cost of your investment in a great night's sleep with up to 24 months 0% APR interest free credit

Spread the cost with our interest free credit finance when you order online and spend £1000 or more.

Our simple finance options allow you to spread the cost of your purchase over 12, 18 or 24 months.

All you need to do is:

  1. Spend a minimum of £1000 and above
  2. Place a minimum 10% deposit (20% and 30% options also available to help you tailor your monthly repayments)
  3. Minimum finance amount after deposit is £700 and above

We offer 3 simple finance options to help you spread the cost of your purchase:

  • 12 months interest free finance on orders of £1000 and above
  • 18 months interest free finance on orders of £1000 and above
  • 24 months interest free finance on orders of £1000 and above

You choose the one which suits your needs best

The table below shows you how much the monthly repayments will be based on the total minimum order value and the minimum deposit amount.


If you require any further information about finance please call us on 0800 0111083. Lines are open Monday to Friday 9am to 5pm, excluding UK Bank Holidays.

Credit subject to status and affordability. Terms & Conditions Apply. TEMPUR UK Ltd is a credit broker and is Authorised and Regulated
by the Financial Conduct Authority.

TEMPUR UK Ltd - registered in England No: 274 8033. TEMPUR House, Caxton Point, Printing House Lane, Hayes, Middlesex, UB3 1AP.

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

General FAQs for Finance

Is it easy to do?

Yes! If your order value is more than £1000 and is being delivered to your UK 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 your deposit after you have completed your loan application and the application has been accepted.

How much time have I got to repay this?

It depends on how much you spend. The shortest loan term is 12 months but you may take up to 24 months. The options open to you will be presented to you on our finance calculator which can be found on the product pages and basket page of 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. There are no arrangement fees or hidden extras.

Can I request delivery to an address other than my home?

No. In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to the UK home address of the person applying for interest free credit.

When will I get my delivery?

As soon as we receive confirmation from Novuna 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 Novuma Consumer Finance:


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 (interest free credit), 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 you can choose to print off your agreement, sign manual and post to Novuna. 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, including payment of your deposit, 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 Novuna receive 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 TEMPUR UK 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, and your deposit has been paid.

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 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

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 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.

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.

What to do if I have a complaint which relates to my finance agreement.

If your complaint relates to the finance linked to your purchase, please contact us, TEMPUR UK Ltd, in the 1st instance. Depending on the nature of your complaint, we may forward it on to your credit provider Novuna. We will write to inform you of this. Where this is the case, Novuna will acknowledge your complaint within 5 business days and investigate it thoroughly and issue their response within eight weeks.

Where your complaint is one which relates to our role as a credit broker for Novuna, we will investigate the matter and will keep you informed of progress in accordance with the timescales set out below:

  • Within 5 business days of receiving your complaint - we will write to you to acknowledge your complaint, giving you the name of the person who will be handling your complaint, our process for handling complaints, and setting out our understanding of the issues involved.
  • Within 4 weeks of receipt – we will write to you either with our final response to your complaint or if we cannot provide a final answer, with an explanation as to why this is the case and confirming when we will next contact you, which will be no later than 8 weeks from the date of receipt.
  • Within 8 weeks of receipt – we will write to you with our final response, or where we have not been able to complete our investigation, with an explanation as to why this is the case and confirming when we will be able to provide you with our final response. We will also advise you of your right to refer the matter to the Financial Ombudsman Service if you are unhappy with the delay in progressing your complaint.
  • Our final response will also advise you of your right to refer the matter to the Financial Ombudsman Service if you are unhappy with the outcome of our investigation.

What to do if I can't reach an agreement regarding my finance agreement or a final response has not been provided within 8 weeks of receipt?

If you are not satisfied with either TEMPUR UK Ltd or Novuna’s response to your complaint relating to the finance agreement, or a final response has not been provided by us or Novuna (as the case may be) within 8 weeks of receipt, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of our or Novuna’s final response letter to you.

They can be contacted in the following ways:

  • Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
  • Telephone: 0300 123 9 123
  • E-mail:

Further details can be found on the Financial Ombudsman Service.