Interest Free Finance


Finance information

Latex Beds acts as a credit intermediary and offers credit products from Deko. Credit is provided subject to age and status.

We can offer interest free credit for purchases made through our website where the total amount of the products is over £400.


Will I qualify for credit?

Latex Beds can only consider credit applications for individuals who meet the following criteria:

  • You are over 18 years of age
  • You are a permanent UK resident and able to supply 3 years address history
  • You are in employment or retired and receive a gross annual income of at least £10,000
  • You have a good credit history
  • You have a debit or credit card

Applications also welcome from retired individuals.
Meeting the criteria does not guarantee acceptance. If your application is accepted, the deposit must be paid by credit or debit card. Please note that you may be requested to provide proof of identity after your application has been approved and your deposit has been paid.


How do I pay using finance?

If you would like to take up one of our finace packages, simply buy the desired product in your basket and proceed to the checkout.

Once you have filled in your delivery information you will be given the option of paying via finance. At this point you will be directed to the Deko website where your finance request will be processed and if accepted, your order will be passed on to Latex Beds for despatch.


Is a deposit required?

A deposit is required on all orders. You can choose a deposit amount of 10%, 20% or 50% of the total price of the products you’d like to purchase.


How are my monthly payments made?

Your monthly repayments will be taken via direct debit from your chosen bank account.


Can I pay off my loan early?

Yes, please contact Close Brothers Retail Finance directly, on 0844 880 6541, in order to make additional payments. Please note that interest rates will be adjusted accordingly.


An example of a purchase with credit:


Deko is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Deko act as a credit broker and not a lender. Deko can introduce you to a limited number of finance providers.

Consumer credit service provided by Deko in association with Close Brothers Retail Finance. Deko is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority – Firm rererence number 124750 For more information please visit