Interest Free Finance Details

In addition to debit, credit card payments, PayPal, and cash on delivery, if you would prefer to spread the cost of your purchase, we offer two interest free options.

0% finance over 9, 10 or 11 months, deposit is optional, details of which are below. 

The other option is via PayPal 'Payin3' which is interest free over 3 months with the first payment at time of order (interest free, no application form for this, choose PayPal in checkout and when you login to your PayPal account, any options available will be shown) More details can be seen here.

We partner with BuyLine to offer you finance, over your choice of 9, 10, or 11 months. We offer you this with 0% APR. Deposit is optional, you don't need to pay one, if you prefer to do so, you can choose the amount. If accepted, you pay the first direct debit payment after you have received delivery. To order and apply please select the finance option in checkout, leave a note if you want over 9, 10 or 11 months, and if you would like to pay a deposit how much. Don't worry if you don't, we will ask you after you order. You will then receive the application form which has been customised to your preference. You can also call to place, or ask in-store for this option.


The second, is 'Pay in 3' through PayPal. With PayPal 'Pay In Three', whilst subject to acceptance and fraud checks, there is no form to fill in. You make three debit card payments, the first at time of order, over three months, interest free. View more details regarding Pay In Three here. For this option please select PayPal in checkout.


If you have any questions, please do contact us. You will receive the short application from BuyLine to fill in privately and will be informed if you have been accepted.


The minimum amount of finance is £389, and it can be spread over 9, 10, or 11 months. It is your choice whether you pay a deposit, and if you do want to, this can be any amount that you choose it to be. We will ask you by phone or email what you would prefer, or leave a note in checkout stating the period, and if you would like to pay a deposit, and if so how much. We will fill your details on our portal, and you will receive the application.

The above is more bespoke for you, rather than applying via our website where it would be a set amount. Paying a deposit may help with acceptance, as they do take into account income, and expenditure, or you may prefer a lower monthly payment. Or, it may be better for you not to pay one. The deposit isn't included in your credit check.

We will then send you the short application form customised to your preference. A soft credit check is performed by our finance provider BuyLine, which won't affect your credit rating, it will only be seen by you. If showing approval, Buyline will then ask you if you wish to proceed.

If the soft check fails, and they feel there may be a chance of approval with further information, they will ask you for this.

If you wish to proceed after the soft check is approved, a hard credit check is then undertaken which will show on your credit record. If successful, you will be sent an E-agreement to read and sign. If you sign this, we will be informed and arrange delivery with you. If not successful, you are welcome to order with a different method if that suits you

If you cancel your order before delivery, or return your goods within 14 days, we cancel the finance. This is another reason we chose BuyLine as it offers this option.


You don't start the first direct debit payment until 10 days, after you have received delivery. Finance is available for orders placed in-store, and by phone.


It has taken us a long time to offer credit, as we could never find a provider we were happy to offer to our customers. We have chosen to partner with BuyLine for many reasons. We feel they are more accommodating, more personalised and helpful, which is what we have always tried to be. It was also important for us, that if you change your mind before receiving, or decide to return your goods, as per our usual returns policy, the finance agreement will be cancelled. This is what we want for you with regards to every aspect of your purchase.


Below are some questions that you may have. You can also view more frequently asked questions, here on BuyLine's website.

The amount of finance is required to be £389 minimum. If for example your order is £489, and you choose to pay a deposit of £100, which leaves £389, which meets the minimum criteria for the finance.

  1. You have lived in the UK for at least three years
  2. You are aged 18 or over
  3. Work at least 16 hours a week
  4. Or, you are in receipt of other regular income such as pension
  5. Can provide an occupation, and income and expenditure information
  6. Have a UK bank account, to make the direct debit payments
  7. You are not currently bankrupt, subject to an IVA, or have any CCJs
  8. If you meet the above criteria, you can apply for finance with our partner BuyLine
  1. To order and apply for finance when you checkout, select 0% finance
  2. (If you are wanting to use 'PayPal Pay In Three' select PayPal, not finance option)
  3. Fill in your delivery and contact details
  4. Leave a note as to whether you want over 9, 10 or 11 months, and if a deposit, state the amount
  5. If you don't we will ask you if you want to pay over 9, 10, or 11 months after you order
  6. We will ask you if you would like to pay a deposit
  7. You don't need to pay a deposit, this is your choice as to whether you want to
  8. You don't need to pay your deposit, until after you are accepted
  9. If billing & delivery address are different, Buyline will ask for further proof of current and previous address
  10. We cannot offer Buyline finance with any coupon offer (as we pay commission to enable 0% APR for you)
  11. You will be emailed a quick application form
  12. This will ask for income and expenditure
  13. Send the form back when you're ready
  14. Buyline will do a soft credit check to check eligibility, this won't affect your credit score
  15. If the soft credit is successful, you will be asked if you wish to proceed
  16. On occasion if you are declined, they may contact you to discuss, and request further information
  17. They will then perform a hard credit check, this will be recorded on your credit file
  18. If successful, you will be notified straight away
  19. If you are declined, we will ask if you want to proceed with your order, you're under no obligation, and we never expect you to
  20. If accepted, read and E-sign the credit agreement with BuyLine
  21. We will be in touch to arrange delivery (and take a deposit if you have opted for this)
  22. We'll deliver your goods, they will be photographed at your premises, and signed for by you
  23. If you cancel or return your goods, our normal practice remains. We will return any deposit, within 24 hours of them arriving back and checked at our store. We will contact BuyLine to inform them goods have arrived back, and they will cancel the credit agreement in writing.
  24. If you cancel before your goods have been delivered, the above also applies

You receive an application form to finance your order. This will ask you to provide the following information:

  • Your current address
  • Your email address and telephone number
  • Your occupation and information about your income and expenditure
  • Your bank account number and sort code so that you can set up a Direct Debit for your repayments

A soft credit search is performed when you apply for your loan, to see if you are likely to be successful in your application.

Although soft searches will appear on your credit record, they will only be visible to you. As they aren’t visible to other companies, they will have no impact on your credit score or any future applications you may make.

When you agree to go ahead with your finance, Buyline finance will record a hard search on your credit file. This means that any company searching your credit record will be able to see that you have applied for credit.


When Buyline receive your application they will send you an email to confirm we’ve received it, explain next steps and to give you some important information about use of your personal data.

Once they have completed their checks, you will receive an email to let you know if your application has been successful or not. Sometimes extra information may be requested.


As soon as we see that your application has been succesful, a member of Sleepland Beds will contact you with confirmation, and to finalise your order. We will then arrange delivery with you at the earliest opportunity.

If your application is declined, we will email you to see if you would like to cancel your order, or proceed with an alternative payment method. This includes PayPal pay in three, payment on delivery, debit or credit card, or PayPal. If you are declined, you are not expected to, and under no obligation to continue with your order with us.


Please don't hesitate to contact us if you have any questions, or would like to discuss any special requirements.

A few of the reasons that we chose them over other providers is their ethos. Sleepland has been trading online and instore since 2008, however we're not a massive household name, however a large percentage of our customers are through recommendation. BuyLine were recommended to us, and share the same values as we do.

We take pride in offering our customers the best service possible. We're also more approachable, friendly and whilst we have hundreds of orders a week, our close knit, in-house team will know who you are if you contact us. We like BuyLine as they are also customer centric, and if we contact them, they will know who we are.

We want to carry our ethos over to you from start to finish, and this includes the finance that we offer.

0% APR Representative. Finance subject to application, affordability and borrowing history. Finance is only available to permanent UK residents, over 18. Terms and conditions apply. GrahamthomasukLtd, T/A Sleepland Beds® and sleeplandbeds.co.uk is not a lender and acts only as an introducer. Finance is provided by Buyline Ltd. Payin3 is provided by PayPal.



We're a family run bed company with a lovely team alongside us. We deliver nationwide across the UK. In additon to this, we have a large showroom at 1-2 Hooton Road, Cheshire, CH66 7NA with our Sleepland exclusive children's beds on display, plus divans, bed frames, and mattresses from other quality brands. For over 15 years, our unique Sleepland® exclusive children's beds, storage beds and bunk beds have offered high quality with Star Buy sale prices everyday. We deliver through the week, however London and surrounding areas, are only of a Saturday and Sunday each and every week.


Sleepland Beds© copyright all rights reserved 2024 - Showroom 1-2 Hooton Park, Hooton Road, Cheshire CH66 7NA. Nationwide UK delivery.
Ltd company registered in England & Wales 06726101 VAT Reg:GB942307830

Intellectual Property Of Sleepland Beds® 2008-2024
Sleepland Beds Registered Trademark Cheshire