Interest Free Credit

Here at Nimbus Beds Ltd we offer two interest free payment plans so you can easily finance your room, whether it bee your bedroom or livingroom.

Interest Free Credit Through Divido

Divido is a retail finance platform that allows companies to offer instant customer finance. This drives conversion at every stage of the purchasing funnel; attracting new customers, increasing sales and raising average order values. More than 1,000 merchants, banks and partners are working with Divido including HTC, BNP Paribas and Mastercard.

Divido connects the customer finance application with multiple competing lenders, delivering higher accept rates and lower fees. The platform works across multiple countries online, in-store and via mobile. In the UK, Divido is regulated by the Financial Conduct Authority.

What are the minimum requirements

The minimum requirements to obtain finance in the UK are:

  • 18+ years of age
  • 3 years continuous UK address history
  • UK bank account

I want to cancel my order, what do I do?

First contact the retailer to see if you can still cancel the order. If it is too late to do so, you’ll need to return the goods in accordance with retailer’s return policy.
For permitted returns, the instalment plan will be cancelled upon the merchant’s acceptance of your returned goods, and any funds you have paid up until that point will be returned.

If I return goods to the retailer, how will I be refunded?

Please contact the retailer directly for their return policy. You will be refunded within 14 business days from the day the retailer notifies they’ve accepted your returned goods. Refund is paid to the same account that you set up for direct debit to serve your loan.

I want to see my finance agreement prior to signing. Where can I find it?

Prior to signing, your finance agreement will be sent to your email address. In addition, your pre-contract is displayed on the screen before you sign.

I am a student. Can I apply for finance?

Yes, as a student you can apply, however, you need to be working a minimum of 16 hours per week.

What if I don’t have time to complete my application?

Not to worry. The merchant can send you a unique link to your application as a text message or email, so you can complete the application later at your convenience.

My finance application has been ‘’referred’’and under review by the lender – what does this mean?

This means your finance application is being reviewed manually, and you will be notified via email once a decision has been made. Normally this is done within 15-30 minutes. During the evenings and weekends, this may take longer.

When using finance, can I ship my stuff to an address other than my billing address?

No. Your shipping address needs to match with your registered billing address.

Layby Payment Plan – Credit Check Not Needed

Layby is an interest free payment plan with no credit checks actioned directly through Nimbus Beds.

How Does It Work?

You pay a 20% non-refundable minimum deposit and then pay for the goods in monthly instalments up to a maximum of 12 months.
As soon as the deposit is paid, we will order the goods and then store them here at Nimbus Beds until the balance has cleared. Once the entire balance has been paid we will then arrange delivery or collection of your goods.

20% Non-Refundable Deposit

With the layby system, we order the goods in as soon as the deposit is paid meaning that as soon as the balance is paid we can get your goods to you as soon as possible. If you decide that you no longer want the goods or you can no longer afford the instalments and want to cancel your order you will be refunded any monies paid for the goods minus the initial deposit.

The reason we have a non-refundable deposit is because all of our beds, mattresses and furniture are made to order, this means if you cancel your order we are then left with made to order goods that could take months to sell on.

Example Payment Plan Details

Below is an example of a Layby payment plan

Total amount: £645.98
Minimum 20% Non-Refundable Deposit: £129.20
12 Monthly Instalments: £43.07

You can either call into our showroom in Thornton or give us a call on 01592 381 673 to pay the deposit.

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