Who Is Eligible for Finance?
Finance is available to eligible customers, with checks in place to help ensure finance agreements are suitable and responsible.
Last Updated: January 2026
Finance can be a helpful way to spread the cost of a bed or mattress, but they are not available to everyone.
Eligibility checks are used to help make sure finance agreements are appropriate and manageable.
Basic Eligibility Requirements
To apply for finance, there are some basic requirements that usually need to be met.
In general, you will need to:
- Be at least 18 years of age
- Be a UK resident
- Have a UK bank account to set up repayments
These checks help confirm identity and ensure finance agreements can be managed correctly.
Residency and Address History
As part of the finance application, your residency and address history are considered.
You will usually be asked to:
- Confirm your current address
- Provide previous address details if you have lived at your current address for a short period
This information helps the finance provider verify your application.
Employment and Income Considerations
Finance providers also consider employment or income information when assessing eligibility.
This can include:
- Being in regular employment
- Being self-employed
- Receiving a pension or other regular income
If you are retired or unable to work due to disability, additional information may be requested to confirm sufficient income. This helps ensure finance remains affordable.
How Eligibility Decisions Are Made
Eligibility decisions for finance options are made by the finance provider, not by Land of Beds.
When assessing an application, the finance provider may consider:
- The information provided in your application
- Your credit history
- Whether the agreement appears affordable
Land of Beds does not see the details of these checks or the reasons behind individual decisions.
Why Eligibility Checks Exist
Eligibility checks are in place to:
- Support responsible lending
- Help protect customers from taking on unsuitable commitments
- Ensure finance agreements are fair and manageable
These checks are standard across retail finance and are not unique to Land of Beds.
Common Questions About Eligibility
Does being employed guarantee approval?
No. Employment is one of several factors considered, but approval depends on the overall assessment.
Can I apply if I am self-employed?
Yes. Self-employment is usually acceptable, provided you can demonstrate regular income.
What if I do not meet all the requirements?
If beds on finance are not available to you, you will still be able to choose an alternative payment method.
When Things Can Vary
Eligibility decisions can vary depending on:
- The finance provider used
- Your individual circumstances
- Changes to finance terms over time
Any relevant requirements will be explained during the application process.
Still Need Help?
If you are unsure whether you are eligible for beds on finance: