Klarna may offer Pay in full, Pay in 3, Pay in 30 days or longer-term financing depending on the order and eligibility. Only options displayed at checkout are available for that purchase. Klarna shows the complete agreement and any APR or charges before acceptance.

Klarna payment information

Clearpay Pay in 4 divides an approved purchase into four instalments over approximately six weeks. Around 25% is normally paid at checkout, with the balance taken automatically on the dates in your schedule.

Pay in 4 does not charge interest. Late fees or account restrictions may apply if payments are missed. Clearpay does not approve every order.

How Clearpay works

Where available, eligible customers can apply for fixed monthly repayments. Plans depend on purchase value and may be interest-free or interest-bearing.

Before accepting, check any deposit, the number and value of repayments, APR, total amount payable and consequences of missing a payment.

DivideBuy information

Checks vary by provider and product. An eligibility check may use a soft search, while a full application or accepted agreement may be recorded differently. The provider explains the checks before you apply.

Payment history, missed payments and defaults may be reported and can affect future access to credit.

A declined application does not mean your TV Bed order has been accepted. Return to checkout and choose another available payment method. TV Bed cannot see the provider’s full decision-making information or overturn its decision.

Once a return or cancellation is approved under our Delivery & Returns policy, we submit the refund through the original payment method. The provider then applies it to your agreement.

Continue making scheduled payments until the provider confirms the agreement has been updated. Do not cancel a direct debit or payment authority without speaking to the provider.

Finance purchases normally need to be delivered to the address approved during the application. Contact TV Bed before dispatch. The provider may need to approve the change and it cannot be guaranteed.

• Product, delivery, return or refund approval: contact TV Bed.
• Application decision, schedule, missed payment or account access: contact the finance provider.
• Pending card transaction: check the order confirmation, then contact your bank or payment provider.

TV Bed cannot change a provider’s schedule, reverse its credit decision or access your full finance account.

For concerns about how TV Bed introduced or handled finance, contact sales@tvbed.co.uk or 01942 718471. We handle regulated complaints under the applicable FCA rules.

For the lender’s agreement, application decision or payment administration, you can also complain directly to the provider. If you remain dissatisfied following a final response, you may be able to refer the matter to the Financial Ombudsman Service. See our complaints process.