Interest-free credit
Spread the cost over 10, 12 or 24 months at 0% APR — or take a longer term with interest. Move the slider to see exactly what you'd pay.
Repayment calculator
Figures come straight from V12 and update as you type. Pick a plan to see its full breakdown. They're an illustration — your actual plan is confirmed by V12 when you apply.
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Monthly payment
How it works
Choose finance at checkout
Add your order on mattressman.co.uk and select V12 Retail Finance as your payment method.
Apply in a few minutes
Complete V12's short online application. You'll usually get a decision straight away.
Sign and relax
Sign your agreement online, and we'll confirm your order and book your delivery.
Am I eligible?
V12 runs a full credit check when you apply, and minimum and maximum spend applies — see the calculator above for the range. V12 can offer credit to anyone who:
- Is 18 or older
- Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in part-time work or in receipt of a disability benefit
- Has been a resident in the UK for at least 3 years
- Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
- Has a Bank or Building Society current account available — this is required to complete the direct debit instruction
- Has an email address to receive the important information throughout the application process, including their signed credit agreement
Mattressman Ltd is authorised and regulated by the Financial Conduct Authority (FCA registration number 702476). Mattressman Ltd acts as a credit broker, not a lender, and offer credit products provided by Secure Trust Bank PLC trading as V12 Retail Finance (FRN 204550). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.
Failure to maintain payments may mean you incur charges, repay more than borrowed and make future borrowing more difficult.
Secure Trust Bank PLC trading as V12 Retail Finance is registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office: One Arleston Way, Solihull, B90 4LH.
The calculator figures are an illustration based on the plans currently offered and are not an offer of credit. Need a hand? Get in touch.
