Buy Beds on 0% Finance – Spread the Cost, Interest-Free

Flexible Bed Finance Options – Klarna & Clearpay at Checkout

Looking for premium beds or bedroom furniture without the upfront cost? At Top Notch Furnishers, we offer a range of flexible furniture finance options to help you furnish your home on your terms. You can choose from Klarna, Clearpay, or PayPal Pay Later, all available at checkout. Whether you want to pay in 3 monthly instalments, our 0% interest finance options make it easier to buy the bed or sofa you’ve been dreaming of – without paying everything upfront.

No deposits. No hidden charges. Just the furniture you want, on your terms.

 How to Buy a Bed on Finance (Step-by-Step)

  1. Browse our wide collection of beds and furniture
  2. Add your item to cart (minimum spend applies for finance)
  3. At checkout, choose Klarna or Clearpay
  4. Select your finance plan (Pay in 3, Pay in 30, 6–24 months)
  5. Complete the payment setup and you’re done We’ll process your order right away and keep you updated on delivery.

To qualify for Klarna or Clearpay, you must:

  • Be at least 18 years old Be a UK resident with a UK address
  • Have a debit or credit card in your name Be in regular employment, or have a steady income (pension or benefit accepted)
  • Pass a quick eligibility check with Klarna/Clearpay

Tip: Klarna finance decisions do not affect your credit score if you use their Pay in 3 or Pay in 30 Day options.

Finance for Custom Beds and Made-to-Order Furniture

Ordering a custom bed frame, bespoke size, or ottoman with storage? Finance still applies. We treat custom orders like any other — once the first instalment is confirmed, we begin production and deliver within the agreed timeframe.

Klarna Finance Explained

  • Pay in 3: Spread the cost over 3 equal monthly instalments — interest-free.
  • Pay in 30 Days: Buy now, pay nothing today, and settle the full amount within 30 days.

Once you place your order and choose Klarna at checkout, you’ll be redirected to complete your payment securely. Klarna will provide an instant decision with no lengthy application.

Clearpay Finance Explained

Pay in 4: Make your first payment upfront, the rest every 2 weeks See exact amounts and dates before confirming Manage everything from the Clearpay app No fees or interest if you pay on time.

Important to Know

Missed payments may result in fees from Klarna or Clearpay Terms and conditions apply Finance is only available to UK residents aged 18+.

Questions? We're Here to Help

Not sure if you're eligible for finance or if your custom bed qualifies? Our team is here to help with clear guidance on both product options and payment plans.

In the meantime, explore our Finance FAQs for quick answers to common questions.

Finance

What payment methods do you accept?

 We accept all major debit and credit cards, including Visa, Mastercard, and American Express. You can also pay using Klarna or Clearpay (Afterpay) at checkout.

Do you offer instalment plans or "buy now, pay later"?

 Yes, we’ve partnered with Klarna and Clearpay to offer flexible instalment plans. You can spread your payments over time, interest-free, based on the provider's terms.

Do you deliver to my postcode?

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How do I choose Klarna or Clearpay at checkout?

 After adding your item to the cart, select your preferred option — Klarna or Clearpay — during checkout. You’ll be redirected to their platform to complete the payment setup.

Is there interest or extra cost with instalment payments?

 No, both Klarna and Clearpay offer 0% interest instalment options when payments are made on time. Late fees may apply if payments are missed, per the provider's policy.

Can I pay on delivery?

We do offer cash or payment on delivery. Contact our 24/7 support for complete guide.

Is it safe to pay through your website?

Yes, our site uses SSL encryption and secure payment gateways to protect your information. We never store your card details.

Can I cancel or update my payment method after placing an order?

If you use Klarna or Clearpay, changes must be made directly through their platform. For direct card payments, please contact us immediately if any issues arise.

Need a Help?

  • 01924533591
  • admin@topnotchfurnishers.co.uk

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