How Do Collection Charges Work on Finance Orders?
What to expect when returning a finance purchase at Land of Beds
Last Updated: January 2026
If you purchased an item using finance and need to return it, return charges are handled differently compared to non-finance orders.
This article explains how return charges apply to finance orders at Land of Beds, when charges may need to be paid upfront, and what happens after a finance return is completed.
How Returns Work on Finance Orders
When an order is placed using finance, refunds are processed through the finance provider rather than returned directly to a payment card.
Because of this, return charges for finance orders may be handled differently from non-finance orders.
When Return Charges Are Taken Upfront
If Land of Beds is arranging collection for a finance order, return collection charges must be paid upfront before collection can take place.
This applies when:
- The return is a change-of-mind return
- Collection is being arranged by Land of Beds
This upfront payment requirement is specific to finance orders.
What Charges Can Apply to Finance Returns?
Depending on the reason for return, charges may include:
- Return collection charges for change-of-mind returns
- Charges related to returning large or bulky items
Collection charges currently start from:
- £20 for small items, such as bedding
- £95 for large or bulky items, such as mattresses
Charges vary depending on the product and postcode.
What Happens After the Item Is Returned?
Once the item has been collected and received back at the warehouse:
- The item is inspected
- Its condition is assessed
- Any applicable deductions are confirmed
- The finance provider is notified
- The finance agreement is updated accordingly
Refund times for finance orders may differ from non-finance orders.
Are Finance Returns Ever Free of Charge?
Yes. If an item is being returned because it is faulty, collection is usually arranged free of charge, including for finance orders.
Faulty returns may require images or additional information before collection is arranged.
Common Questions About Finance Returns
Why do finance returns require upfront payment for collection?
Finance refunds are handled through the finance provider, so return collection charges cannot always be deducted later. This is why collection charges must be paid upfront for finance orders.
Do finance orders have higher return charges?
No. The same return charges apply to finance orders as to non-finance orders.
How do I pay the upfront charge?
The Land of Beds customer care team will confirm how payment is taken when the return is arranged.
When Things Can Vary
Finance return handling can vary depending on:
- The finance provider
- The product being returned
- Whether the return is faulty or unwanted
If you are unsure how your finance return will be handled, it is best to check before arranging collection.
Still Need Help?
- Visit our Contact Us page
- Use Live Chat for quick answers
- Call our Customer Support Team
- Visit one of our UK stores for in-person guidance