Pay Monthly Beds

Rent-to-own, sometimes referred to as rent-to-buy, is a form of hire purchase. You receive the bed straight away, but ownership does not transfer until all payments have been made in full. If payments are missed or financial difficulties arise, it may be possible to return the bed to the lender, Family Finance. They also have the right to repossess the goods if payments stop. These agreements include protections, such as limits on interest so the total amount payable never exceeds double the cash price, including delivery or related charges. Prices are benchmarked against other retailers to ensure they are competitive.

Repayments are made in monthly instalments using the payment method agreed when your finance is set up. This can include standing order, Continuous Payment Authority, debit card, cash, or bank transfer. Full payment details are confirmed in the agreement.

The first payment is usually due within one month of receiving the bed. The exact date and repayment schedule will be clearly shown before you commit.

You can still apply. Each application is reviewed individually and includes an affordability check. Having bad credit does not automatically mean you will be declined.

Yes, we will still consider all applications. Your credit file is just one of the factors we will take into consideration when making a decision to give you credit so don’t let that put you off.. Other factors will be your income and outgoings and if you have any previous record with us. Our goal is to try and help those most in need get back on track and provide a line of credit to customers that may not be able to use mainstream lenders due to previous poor decisions. Please see the “what is your interest rate” tab below where all interest charges are explained or visit our payment calculator.

You can still make an enquiry, but approval depends on an affordability assessment. Family Finance will look at your overall circumstances to decide whether repayments are affordable.