How does it work?

1. Select the products you like and choose 'Apply for Finance' at the checkout

2. Complete the online application form. It takes 30 seconds to find out your result.

3. If prompted, complete the ID verification, review and sign your agreement with the lender electronically.

4. Once you've signed, we'll deliver the goods to your home address.

Do you want to buy your bed on 0% Finance?

Here at Beds on Legs we have a vast range of beds and mattresses available in a multitude of designs and finishes that we know you will love! We offer 6 months Interest Free Credit and 12 months Interest Free Credit on all orders over £500.  So, if you are looking to purchase a new bed or mattress this will help spread the cost over several months in manageable payments.

We offer the following packages:

  • 6 months Interest Free Credit.  Available on orders over £500.  See example on products.
  • 12 months Interest Free Credit. Available on orders over £500.  See example on products.

How much will you pay?

At the checkout take a look at the Divido finance calculator to see what the monthly payments would be on your order.  You can adjust the deposit from a minimum of 10% to see what difference this makes to the monthly payments.

Representative Example

Example: £500.00 on Interest Free Credit

Purchase Price:          £500.00

Minimum deposit:      £50.00

Amount of Credit:      £450.00

Pay 6 Monthly payments of £75.00 or 12 Monthly payments of £37.50

Total repayable:         £500.00

Agreement Duration: 6 Months or 12 Months

Cost of credit:               £0 

Rate of Interest:         0% APR

Are you eligible?

To apply you must:

  • Be over 18 years of age
  • Be a UK resident for at least 3 years
  • Have a UK bank account that can accept direct debits
  • Have credit or debit card registered to your home address
  • Have a stable income whether through permanent employment or other means (pension, Disability Allowance etc)
  • Be OK for there to be a credit check performed when you submit your application

Please note: Delivery must be to the address you put on the finance application, which must be the same as your billing address of the bank account you're applying with.

Beds on Legs Ltd has teamed up with a secure online credit application service Divido Financial Services Ltd to offer you a quick, simple and 100% paperless process to access affordable finance options.  For any queries during the application process or when signing your credit agreement, their customer service team will be happy to help either through their chat by pressing the help button, by phone on 020 3773 9510 and by e-mail at  Our lender is:

Specialist Lending Limited t/a Duologi

10 Bressenden Place




Frequently Asked Questions

What information do I need to provide?

During Divido's secure application you will be asked to provide some basic personal details such as your marital, residential and employment status.  You will also need to have your bank account handy and possibly your credit or debit card information for deposit and ID verification.

Why was my application unsuccessful?

While the lender will never tell us exactly why they decline a customer (due to data protection), it's usually due to eligibility, not having enough credit experience, having negative credit file information or providing unsatisfactory information in the application.