0% APR interest free
finance available

*subject to status & minimum spend applies
  • Monthly Repayments from £50 / Month
  • No Deposit required
  • Payments start after delivery
  • Spend £500 – 10 Months Interest Free
  • Spend £1000 – 20 Months Interest Free
  • Spend £1750 – 30 Months Interest Free
  • Spend £2500 – 36 Months Interest Free

Finance calculator
Spread the cost using our 0% APR finance payment options and find a monthly cost that suits your budget with our finance calculator
How much in £'s'

Interest free credit offer representative example

Interest free credit from £50.00 / month*

Spread the cost using our 0% APR finance payment options and find a monthly cost that suits your budget with our finance calculator.

Spend Interest Free Available Monthly Payment From Total Amount Payable Interest Rate Deposit
£500 10 months £50.00 £500 0% 0%
£1000 20 months £50.00 £1000 0% 0%
£1750 30 months £59.00 £1750 0% 0%
£2500 36 months £70.00 £2500 0% 0%

Who can apply?

To be eligible to apply for finance you must:​

  • Be at least 18 years of age​
  • Have been a UK resident for at least 3 years
  • Have a debit or credit card in your name, registered to your address in order to cover deposit (if applicable)​
  • Have a Bank or Building Society current account available (you’ll need this in order to complete direct debit instruction)​
  • Be in regular employment* including self-employment, or in a permanent residence with your spouse/partner who is in regular employment, or be receiving a pension or a disability benefit​

How to apply online?

Simply select ‘V12 finance’ as your payment method in the checkout. With all finance offers subject to acceptance.

  • Previous address if you’ve lived in your current home for less than 3 years
  • Bank details (bank details, sort code and account number)
  • Email address and contact telephone number
  • finance icons
    0% APR interest
    free finance
  • finance icons
    No deposit
    Required online
  • finance icons
    Payment starts
    after delivery

v12 logo

Who provides finance online?

It’s no surprise we are one of the fastest growing names in retail finance, we work with over 2,000 retailers, from national high street names to independent stores. We’ve used our expertise and intelligent technology to develop a retail finance offer which can flex with your individual business needs and deliver a great customer experience. www.v12retailfinance.com​

  • UK based since 2003​​
  • Leading online lender in the UK​
  • Over 10 years of online finance experience​​

Buy Now, Pay Nothing for 6 months

  • Absolutely nothing to Pay for 6 Months*
  • No deposit required
  • £1500 Minimum spend
  • Apply Online or Instore
  • No early settlement fee
  • 29.8% APR Representative
  • Terms and Conditions apply, see below for details

6 months non payment period starts once you receive your delivery

Buy Now, Pay Nothing for 6 months

  • Buy now pay later with 6 months non-payment period.
  • Spread the cost with buy now pay later finance available online and in-store.
  • The buy now pay later finance option allows you to spread the cost of your purchase over a total term of 42 months which includes a 6 month non-payment period.
  • If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest. There are no early settlement fees associated to your credit agreement.
  • The non-payment period starts when you receive your delivery.
  • If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term of 36 months with interest charged at a representative APR of 29.8%. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live.
  • Only available to UK residents over 18, subject to terms and conditions, minimum spend applies.

Representative example;

  1. Total cash price £1500.
  2. Deposit £0.00
  3. Amount of credit £1500.
  4. Non-payment period 6 months
  5. Followed by 36 monthly repayments of £77.14.
  6. Representative APR 29.8%.
  7. Annual rate of interest 21.28% Fixed.
  8. Settlement fee of £0.00
  9. Total amount repayable £2777.04

T&C’s apply, exclusions and minimum spend applies. Zero deposit. 29.8% APR representative. Credit subject to age and status. Bensons for Beds is a credit broker and not a lender and can introduce you to a panel of lenders instore and online. The Representative example illustrated above is for purchases made online with our provider V12.

Instore finance

We offer finance instore via 2 providers; V12 Retail Finance and Creation Finance.


Can’t find what you are looking for?​

Need help?

We are here to help. Call us on 0808 144 6160,
email us enquires@bensonsforbed.co.uk

Alternatively contact V12 Finance on
02920 468 900