Finance Options

See what finance options we have for you and spread the cost with up to 24 months interest free credit*

Applying for finance couldn’t be easier or more convenient. Invest in your sleep and spread the cost of buying your perfect new bed with our range of finance options.

(*0% Typical APR)

Interest Free Finance Example

Up to 24 months 0% APR representative interest free finance.

Spread the cost with interest free finance available online and in store. These simple finance options allow you to spread the cost of your purchase over 6, 10, 12, 18 & 24 months.

All you need to do is:
  1. Spend a minimum of £495 and above
  2. Pay a minimum deposit of £99 (20%)
  3. Minimum finance amount after deposit £396 and above

5 Simple 0% Options

These 5 simple interest free finance options help you spread the cost of your purchases.

  • 6 months interest free finance on orders of £495 and above
  • 10 months interest free finance on orders of £995 and above
  • 12 months interest free finance on orders of £1,495 and above
  • 18 months interest free finance on orders of £2,495 and above
  • 24 months interest free finance on orders of £3,495 and above

The table below shows you how much the monthly repayments will be based on the total order value.


£600 6 £120 £80
£2,400 12 £480 £160
£3,600 18 £720 £160
£6,000 24 £1,200 £200

If you require any further information about finance please call Jones & Tomlin.


Calculate Repayments

Calculate your preferred monthly spend using our Finance Calculator tool
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Monthly Cost £66.67 Deposit: £100.00 Total Payable: £500.00 Final Payment: £66.67 APR: 0.00%

How do I choose to PaybyFinance?

Just select the finance option on the checkout page; or let the sales consultant know if you’re buying in our Worthing, Horsham or Chichester stores.

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18; work at least 16 hours a week; or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however the employment details of your spouse or partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

It couldn’t be easier or more convenient. When you buy online from Jones & Tomlin you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved; you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct; then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.


Your Questions Answered

Here’s some of the most commonly asked questions regarding online finance.

Once your application is approved; you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement; a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement; Jones & Tomlin (Workshops) Ltd trading as Jones & Tomlin will be notified and there’s nothing more you need to do.

If you choose to print and return your agreement you should print it, read it carefully; and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form; for example, age, income and occupation, together with information obtained from credit reference agencies.

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, Hitachi also takes into account confirmation of your identity; validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for declining your application; it is usually based on one of, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be over-committed
  • You are aged under 18
  • Your existing account performance with other lenders

Some of the information is public information; for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them, for instance; this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed; although the result of the request is not recorded.

You should send a cheque for £2.00 made payable to the relevant credit reference agency or click on the links below; together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that circumstances change; and just because a previous application has been refused, it doesn’t mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications; we regret that we’re only able to deliver goods to the home address of the applicant.

If you have any further questions then please don’t hesitate to contact us

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