0% Finance

Pay over 3, 6 or 12 months
on a selection of beautiful beds,
mattresses and headboards

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0% Finance on Beds, Mattresses & Headboards

At Bed Factory Direct we want to make it as easy as possible to get the perfect nights sleep. We offer our huge range of beds on finance, allowing you to spread the cost of your purchase with interest-free split payments, using V12 Retail Finance.

Spread your payments with the following options:

  • Interest Free 6 Months
  • Interest Free 10 Months
  • Interest Free 12 Months

Minimum spend £335.

Qualifying for Credit

In order to qualify for credit you need to be:

  • At least 18 years of age
  • Have been a resident in the UK for 3 years or more
  • Be able to make repayments by direct debit
  • Be in regular employment*

Frequently Asked Questions

Can I get any beds on finance?
We know it's frustrating to be limited by budget and want you to buy your perfect bed right the first time, so all of our products are eligible for interest free finance, provided you meet the minimum requirements listed above.

Declined Credit Applications
If your credit application is declined, you will receive a notification via email from our credit partner, V12 Finance, with further instruction on how to dispute the decision.

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.

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. Saturday morning deliveries can be arranged if this is more convenient for you.

How much can I borrow?
You may borrow up to £15,000. The minimum priced item with credit available is £335.

Is a deposit required?
A minimum of 10% deposit is required to complete you order on finance. We can also accept up to 50% if you wish to lower the monthly payments. This depends on the product, please check the V12 information available on each product page.

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 delivery. Subsequent monthly payments will be due every month for the length of your term on that day of the month.

Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process.

Can I pay my agreement off early?
Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Finance for details by phone, e-mail or letter at the following;

Telephone: 029 2046 8900
Email: customerservices@v12finance.com

V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ

Can I cancel my credit agreement if I change my mind?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.

About our Lenders:

Finance is subject to status. From time to time, we may vary the terms of our finance offer at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply, and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Finance as a payment method is provided through our external partner V12 Retail Finance. If your application is successful you will enter into a Credit Agreement with V12 Retail Finance.

Status Disclosure

Your interest free credit agreement is provided on behalf of Moda Furnishings by V12 Retail Finance, Moda Funishings are a credit broker and not a lender.

 V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

*(minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment.