Interest free credit. Pay for your bed in instalments

Pay in Instalments – Flexible Payments with Novuna Consumer Finance

Whether you've been browsing our range of our beautiful upholstered beds, or our luxurious pocket sprung mattresses, why not make budgeting for your dream bed a little more flexible?

Interest-free credit is available when your total order value is over £1,000, whether you order in our showroom, on our website or over the telephone (by calling 03333 201 801). Through our interest free credit partner Novuna Consumer Finance, you can choose to pay a deposit of between 10% and 50% of the total order value, and then spread the remaining cost over 6 or 10 monthly payments at 0% interest.

The application process is simple and secure, takes minutes for you to complete online, with a credit decision made straight away.

If you want to take advantage of our interest-free credit, here’s a quick guide to everything you’ll need to know.

Please note, interest-free credit is NOT available:
- for orders with a total value of under £1,000
- for purchases of Clearance items
- to non-UK residents
- to trade customers

Frequently Asked Questions

How do I pay using Interest Free Credit?

You can pay using Interest-Free Credit when ordering on our website, in our showroom or over the phone.

- At the Checkout stage on our website, select the Interest-Free Credit option on the payment page
- In our showroom or on the phone, just ask a member of our team about paying via Interest-Free Credit and we can talk you through the details.
- We can help you complete the online application either face to face in the showroom or by sending you a link to the Novuna online application for you to complete.
- Once approved, you'll be able to place your order and we'll contact you within the next 2-3 weeks with a delivery date.

How long does the application take?

The application process is simple and secure and takes 10 to 15 minutes for you to complete online, with a credit decision made straight away.

Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Once we are advised by Novuna that your finance agreement has been signed, we will proceed with your order.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Acceptance is subject to status. Interest-Free Credit is provided by Novuna Consumer Finance (UK) PLC trading as Novuna Consumer Finance, 2 Apex View, Leeds, LS11 9BH.

NOTE - Interest-Free Credit is only available to UK residents.

When you wish to spend over £1,000 with Button & Sprung and spread the payments with Interest-Free Credit, you can request that a member of our team creates and sends to you a link to the Interest-Free Credit application form. The whole application process only takes a few minutes and is simple and secure.

Am I eligible for Interest-Free Credit?

Credit decisions are made by our partner Novuna Consumer Finance, not by us. Applying for Interest-Free Credit is similar to applying for a new credit card and in the case of Novuna, a "soft credit search" is undertaken in order reach the initial credit decision. This soft search does not affect your credit score.

The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history – (for example, no late payments, County Court Judgements) – and meet the following minimum criteria:

- be 18 or older;

- be in permanent paid employment (working at least 16 hours a week) or retired and receiving a pension, or be a house person with a partner in permanent paid employment or be self employed; this also includes someone who is in receipt of a permanent pension or personal benefit, e.g. an invalidity or incapacity benefit.

- be a resident in the UK (or a British Crown Dependency if approved by Novuna Consumer Finance) for a minimum of 12 months; be able to provide acceptable proof of address (except where the goods are to be delivered to their residential address) and proof of signature; make payments by direct debit; and be purchasing the goods for personal use and not for business use;

- have a valid phone number and e-mail address.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Button & Sprung will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF 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 credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Consumer Finance. Delivery of your goods will follow soon after your agreement has been returned to our finance company.

When do my repayments start?

Your monthly repayments will begin one month after your order has been delivered.

Will I be credit scored and if so, what does this mean?

Credit decisions are made by our partner Novuna Consumer Finance, and not by us. 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 interest-free credit. 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 Novuna 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.

What happens if my credit application is referred?

Credit decisions are made by our partner Novuna Consumer Finance, and not by Button & Sprung. We suggest visiting the referred application page on the Novuna website to find out more about referred credit applications. Alternatively you can contact the Novuna Consumer Finance customer help line on 0344 375 5500.

Why has my application been declined, and what should I do?

Credit decisions are made by our partner Novuna Consumer Finance, not by Button & Sprung, and cannot be influenced by us. In addition to credit scoring, Novuna also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Although Novuna are unable to provide you with the main reason for the 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 over-committed financially

- 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, TransUnion International UK 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.

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.

Further Questions?

Feel free to give us a ring on 03333 201 801 or send us an email at [email protected], and we would be happy to answer any questions you might have. Alternatively, pop into our showroom and we can process your application while you wait.

Speak to a Bed and Mattress Expert

Our team know their stuff when it comes to beds and mattresses, so please ask if you have any questions. They are not on sales commission, so will give you impartial advice on what is right for you, rather than trying to sell you something that is not.