The minimum spend is £250 and the maximum spend is £15,000.

Term        Interest rate         Minimum basket amount
6                  0% APR                                            £250
12                 0% APR                                            £500
18                 0% APR                                            £750
24               9.9% APR Representative                £250
36              9.9% APR Representative                £250
48              9.9% APR Representative                £250

To apply for finance with V12 you'll need to be:

• 18 years or older
• In permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
• A UK resident for 3 years or more
• Have a debit or credit card in your name, which is registered to your address, to pay the deposit where applicable
• Have a Bank or Building Society current account available – this is required to complete the direct debit instruction
• Have a valid email address to receive the important information throughout the application process, including the signed credit agreement

Yes. A credit check is performed to assess your eligibility during your application.

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 such as 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.

During the V12 application process you will confirm your bank details for your repayments to be collected via direct debit. You can also make overpayments by contacting V12 directly or via your V12 self-service portal that you will be sent more information about via email once you have successfully completed your application.

To guard against fraudulent applications, we are only able to deliver goods to your home address which will be validated during the application process.

The first step is to contact us directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using our return process. 

While this is uncommon, if it does occur, we'll help arrange the collection of your mattress and issue a refund after it has been received and inspected. To get started, contact us by phone, live chat, or email.

Our Customer Service team is available on live chat Monday to Friday, from 9:00 a.m. to 5:30 p.m. You can also reach us by email at hello@dreamcloudsleep.co.uk.

Applications may not be accepted for several reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn't successful, you can still purchase the item or items you would like in full via a valid credit or debit card or any of our other payment methods.

If your application is declined, it’s usually for one of the following reasons:

• you do not meet the eligibility criteria;
• adverse credit reference agency information;
• your credit score;
• you are considered to be overcommitted financially;
• or - your existing account performance with other lenders.

If you wish to appeal the decision made by V12, it’s advised you obtain an up-to-date copy of your credit report from either of the Credit Reference Agencies listed below before appealing directly to V12. Due to data protection, all customer appeals must be emailed to underwriting@v12finance.com and a member of V12’s Underwriting Team will respond to you accordingly.

You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report: Experian, Equifax or TransUnion.

For any questions related to V12 Retail Finance please contact them directly by visiting https://www.v12retailfinance.com/customer. For a full list of FAQs please click here.

To manage your account and make payments, you can log in https://selfservice.v12finance.com.

You can also manage your account by contacting V12’s Customer Services Team on 02920 46890 or via your V12 self-service portal that you will be sent more information about via email once you have successfully completed your application.

Telephone: 02920 468 900
Email: customerservices@v12finance.com
Post:
V12 Retail Finance
25-26 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ