At Latex Sense, we believe in making high-quality products accessible to everyone, which is why we offer interest-free finance options through KLARNA. Whether you're upgrading your sleep experience with a luxurious latex bed or investing in one of our other premium items, our flexible payment plans make it easy to manage your budget. This guide will walk you through how our finance options work, the criteria for qualifying, and how you can enjoy a smooth and hassle-free purchase.

How Does Interest-Free Finance Work?

Latex Sense partners with KLARNA to offer simple and transparent credit options for purchases over £400. When you select a finance option, you can enjoy 0% interest, meaning the price you see is the price you pay—without any surprise charges or hidden fees.

Once your application is approved, you can pay for your products in manageable monthly instalments. KLARNA will set up your payments through direct debit, ensuring a smooth and automatic process.

Will I Qualify for Credit?

To ensure that your application is processed smoothly, we’ve set out a few basic criteria. Here's what you need to meet to qualify:

1. Age Requirement: You must be over the age of 18.
2. Residency: You need to be a permanent UK resident and able to provide a 3-year address history.
3. Income: You should have a minimum annual income of £10,000 from employment or retirement.
4. Credit History: A good credit history is required. This helps us assess your ability to manage the finance.
5. Banking: You should have a debit or credit card for payments.

If you meet these requirements, you may be eligible to apply for credit. However, please note that meeting these conditions does not guarantee acceptance.

For Retired Individuals: We also welcome applications from retired individuals who meet the criteria, so don’t hesitate to apply.

How to Apply for Finance

Applying for finance is straightforward and quick. Simply follow these steps:

1. Add to Basket: Select the product you wish to purchase and add it to your basket on our website.
2. Checkout: Proceed to checkout, where you’ll enter your delivery information.
3. Select Finance Option: During the checkout process, you will be given the option to pay via finance. Choose your preferred finance option to proceed.
4. Finance Application: You will be redirected to the KLARNA website to complete your finance application.
5. Approval Process: KLARNA will review your application and, if approved, will pass the details back to us for order dispatch.

Once your finance application is approved and your deposit is paid, we will process your order and deliver it directly to your address.

Is a Deposit Required?

Yes, a deposit is required on all orders. You can choose a deposit amount that works best for you:

• 10% Deposit: Pay a smaller amount upfront.
• 20% Deposit: A medium deposit.
• 50% Deposit: For those who prefer to pay more upfront.

Once your deposit is paid, you can choose a finance plan with either 6 months or 12 months to spread the cost. This gives you flexibility and control over your monthly repayments.

How Are My Monthly Payments Made?

Monthly payments are convenient and hassle-free. The remaining balance will be divided into monthly instalments after your deposit is paid. KLARNA will automatically take these payments via direct debit from your bank account, ensuring you never miss a payment. You’ll receive confirmation of the terms and payment amounts in advance, so you can plan your finances appropriately.

Can I Pay Off My Loan Early?

Yes, you can pay off your loan early without any penalties. We understand that financial situations can change, and we want to offer you the flexibility to settle your balance whenever you're ready. If you wish to make additional payments or pay off the full balance early, simply contact KLARNA directly at 0333 321 6080. They’ll adjust the interest and payments accordingly, helping you clear your balance faster if you wish.

Why Choose Interest-Free Finance with Latex Sense?

1. No Hidden Fees: What you see is what you pay. Our interest-free finance offers clear, transparent terms, so there are no surprises along the way.
2. Flexibility: With a choice of deposit amounts and payment terms (6 or 12 months), you can tailor your finance plan to suit your budget and preferences.
3. Fast, Secure Process: The finance application process is quick and secure.
4. Convenience: Automatic monthly payments through direct debit ensure a hassle-free repayment experience. Plus, you can manage everything online through your KLARNA account.

Get Started Today

Are you ready to transform your sleep experience with one of our premium latex products? With our interest-free finance options, it’s easier than ever to make your purchase. Simply browse our collection, choose your product, and select the finance option that works best for you at checkout. Enjoy flexible, manageable payments while indulging in the comfort and quality you deserve.

Latex Sense—Comfort, Quality, and Flexibility, All in One.

For any further questions or assistance with your finance application, feel free to contact our customer service team. We’re here to help!