Finance
0% APR representative over 12 months, or four interest-free instalments. Soft credit check, no effect on your credit score, decision in under a minute.
Can I pay for a bed monthly?
Yes. Legend Beds offers 0% APR representative over 12 months on orders over £400 with no deposit and no fee, or four interest-free instalments on any order. Both are arranged at checkout through Klarna or Clearpay, and the eligibility check is a soft search that does not affect your credit score.
How it works
Choose Klarna or Clearpay at checkout, answer four questions and get a decision in under a minute. The check is a soft search — it appears on your credit file for you but not for other lenders, and does not affect your score.
Comparing the two options
| 0% over 12 months | Pay in four | |
|---|---|---|
| Minimum order | £400 | None |
| Deposit | None | 25% today |
| Payments | 12 equal monthly | 4, a fortnight apart |
| Interest | 0% APR representative | None |
| Fees | None | Late fee capped at £6 per instalment |
| Credit check | Soft search | Soft search |
0% APR over 12 months
Available on orders over £400. Twelve equal monthly payments, no deposit, no fee, no interest. Total repayable is exactly the price of the bed.
Representative example. £899.99 over 12 months at 0% APR representative is £75.00 a month. Total amount of credit £899.99. Total amount repayable £899.99. 0% APR representative. Credit subject to status and affordability.
Pay in four instalments
Available on any order. Twenty-five per cent today and three further payments a fortnight apart, interest-free. Late fees apply if a payment is missed, capped at £6 per instalment.
Trade and commercial accounts
Business customers can apply for a 30-day account with an agreed limit. Hotels and developers ordering more than ten frames are quoted separately with staged payment against delivery — see trade and commercial.
Finance at a glance
- Providers
- Klarna, Clearpay
- 0% APR term
- 12 months on orders over £400
- Deposit
- None
- Credit check
- Soft search, no score impact
- Minimum order
- £400 for 12-month finance, no minimum for pay-in-four
Finance questions
Will applying affect my credit score?
No. Both providers run a soft search at the point of application. It is visible to you on your own credit file but not to other lenders, and it does not change your score. Missing a payment after you are approved can affect your file, which is why the affordability check exists.
What happens if I return the bed?
Your finance agreement is cancelled and any payments already taken are refunded. Our 100-night trial applies to financed orders exactly as it does to card orders.
Is there a fee for paying early?
No. You can settle either plan in full at any point through your Klarna or Clearpay account with no early-settlement charge.
Can I use finance on a bespoke commission?
Yes on the 12-month plan, subject to approval, because bespoke orders exceed the £400 minimum. Deposits on bespoke commissions are non-refundable once a drawing is approved.
Ready to work out a monthly figure?
Finance is provided by third-party lenders and is subject to status and affordability. Terms and conditions apply. Legend Beds Ltd acts as a credit broker and not a lender. Insert your FCA authorisation or exemption wording and registration number here before publishing.