We offer 12 months interest free finance to help you spread the cost of your purchase. Finance is subject to application, financial circumstances and borrowing history.

• Interest rate: 0% APR representative
• Finance term: 12 months
• Minimum deposit: 10% of the order value
• Maximum deposit: 50% of the order value
• Minimum loan amount: £500
• Maximum loan amount: £25,000

The minimum loan amount is £500. This refers to the amount borrowed after any deposit has been applied, not the total purchase value.

For example, an order value of £500 would not qualify, as the required 10% deposit would reduce the loan amount below the £500 minimum.

Credit broker disclosure

Really Comfy Beds Limited trading as Loaf acts as a credit broker and not a lender. Credit is subject to affordability age and status minimum spend applies.

Really Comfy Beds Limited trading as Loaf introduces customers to Secure Trust Bank trading as V12 Retail Finance (FRN 204550) to Pay Monthly finance. If your application is successful, you will enter into a credit agreement directly with Secure Trust Bank trading as V12 Retail Finance (FRN 204550).

Offer availability, eligibility and credit checks

This finance offer applies only to orders that meet the minimum and maximum loan criteria set out above. We reserve the right to withdraw or amend this finance offer at any time.

To apply for finance, applicants must:

• Be aged 18 years or over.
• Be in permanent paid employment, self-employed, retired and receiving a pension, a homemaker, a working student in part-time employment, or in receipt of a disability benefit.
• Have been a resident of the United Kingdom for a minimum of three years.
• Hold a valid debit or credit card registered to their current address, which will be used to pay the required deposit.
• Have a UK bank or building society current account capable of accepting Direct Debit instructions for the repayment of the finance agreement.
• Provide a valid email address in order to receive application updates and important documentation, including the signed credit agreement.

Please note that all finance applications are subject to status and affordability checks. Applications are assessed by Secure Trust Bank trading as V12 Retail Finance (FRN 204550), who provide the credit agreement.

Your credit application will be subject to V12 Retail Finance's own lending criteria and terms and conditions, which will be presented to you during the application process. Once an application has been submitted, V12 will notify us of the outcome, and we will update your order accordingly.

What can be included in the loan

The finance agreement may include:

• The cost of products purchased
• Delivery charges
• Castelan furniture insurance

Representative example

• Product price £2,295
• Delivery charge £95
• Castelan insurance £100
• Total basket value £2,490
• Deposit (10% minimum) £249
• APR Representative 0%
• Monthly repayment £186.75

Repayments

After the deposit has been paid, the remaining balance will be divided into 12 equal monthly repayments. Repayments will begin 25 days after receipt of goods. Provided all payments are made on time and in full, no late payment charges will apply.

Missed payments & arrears

If you enter into a finance agreement, your repayments will be made directly to V12 Retail Finance Limited in accordance with the terms of your credit agreement.

If your circumstances change and you experience difficulty making your repayments, you should contact V12 Retail Finance as soon as possible. Their team may be able to discuss options that could help you manage your account, such as reviewing your financial situation or agreeing an alternative repayment arrangement where appropriate.

You can contact V12 Retail Finance on 0333 122 1101 Monday to Friday, 9am-5pm

Price protection during finance application

When a customer submits a finance application, the total price of the items in the order will be fixed at the value shown at the time the application is submitted.

Provided the finance application is approved and the order is completed, we will honour the price displayed at the time the application was made, even if the price of the items subsequently changes on our website.

If the finance application is declined, cancelled, or not completed within the validity period of the finance application, the order will not be processed and any subsequent order will be subject to the prices displayed at the time of the new order.

Order amendments

Customers may request amendments to their order within 14 days of placing the order, provided the goods have not been dispatched. After 14 days from the date the order was placed, amendments are no longer possible. In these circumstances, the order will need to be cancelled and a new order placed.

For orders placed using finance, the following conditions apply:

Any amendment that results in an increase in order value or a change of mind (including changes to product, fabric, or colour) cannot be processed as a direct amendment (with the exception of the service items detailed below). In these circumstances, the order must be cancelled and a new order placed. Where finance is selected again, this will require a new application and agreement.

The following services may be added to an existing finance order after purchase:

• Castelan insurance: This must be paid for using an alternative payment method and cannot be added to the finance agreement
• Removals service: This may be added up until the point that delivery has been booked and must also be paid for using an alternative payment method

Cancellations

Customers may request to cancel an order or individual items within an order provided that a delivery has not yet been arranged and the goods have not entered the delivery network or been dispatched.

Once delivery has been arranged or the goods are in transit, the order can no longer be cancelled. In these circumstances, customers should:

• Reject the unwanted item(s) at the point of delivery, or
• Accept delivery and arrange a return in accordance with our Returns Policy.

Where an order placed using finance is cancelled in full prior to dispatch, the finance agreement will be cancelled and any deposit paid will be refunded to the original payment method.

Where an order is partially cancelled, the finance agreement may be amended or cancelled depending on the remaining order value and the minimum finance threshold set by our finance provider V12.

Refunds and returns

Customers who choose finance retain their statutory right to return goods within 14 days of receipt, in accordance with our standard Returns Policy.

Where a return is requested and there are any outstanding charges (including delivery, collection, or removals fees), these must be settled using an alternative payment method prior to collection being arranged. In such cases, the finance agreement will be cancelled.

If an order placed using finance is returned in full within the returns period, the finance agreement will be cancelled. Any deposit paid at the time of purchase will be refunded to the original payment method once the returned goods have been received and processed.

If a partial return is made and the remaining balance of the order falls below the minimum finance threshold of £150, the existing finance agreement will be cancelled by our finance provider. In this situation:

• The finance agreement will be terminated.
• Any deposit paid will be refunded to the original payment method once the return has been processed.
• Any outstanding balance for goods retained by the customer must be settled directly with Loaf.

Refunds for returned items will be processed once the goods have been received and inspected in accordance with our Returns Policy.

Delivery address changes

Delivery address changes cannot be made to orders paid by finance under any circumstances. Where a change is required, the order will need to be cancelled and a new order placed with the correct details, which will reset the lead time and expected delivery date.

Vulnerable customers

We understand that some customers may experience circumstances that make it more difficult to make financial decisions or manage their finances. These circumstances may include (but are not limited to) health conditions, disability, financial difficulty, language barriers, or significant life events.

If you believe you may be a vulnerable customer, or if your circumstances change and you require additional support when placing or managing your order, please contact our Client Experience Team and we will do our best to assist you.

Email: [email protected]

Telephone: 0203 141 8300

Write to us: Unit 8, 69 St Marks Road, London, W10 6JG

Our staff are trained during onboarding and annually on best practices for identifying and supporting vulnerable customers, including recognising signs of vulnerability and responding in a fair, sensitive, and appropriate manner in line with regulatory expectations.

If your query relates specifically to your Pay Monthly credit agreement, the credit is provided by V12 Retail Finance Limited, who may be able to provide additional support in relation to your finance agreement.

You can contact V12 Retail Finance using the details below:

• Email: [email protected]
• Telephone: 029 2046 8900

Customer complaints

If you are not entirely happy with your recent experience, you can raise a complaint by contacting our Client Experience Team.

Please include your name, order number and details of your complaint so we can investigate and respond as quickly as possible. Any complaint made to Loaf directly will be acknowledged within two working days.

If your complaint relates to your Pay Monthly credit agreement, this finance is provided by Secure Trust Bank trading as V12 Retail Finance (FRN 204550), who will handle complaints relating to the credit agreement itself.

You can contact V12 Retail Finance using the details below, or by sending V12 a secure message through the V12 Self Service Portal.

• Email: [email protected]
• Telephone: 029 2046 8900

Or write to:

V12 Retail Finance

25-26 Neptune Court

Vanguard Way

Cardiff

CF24 5PJ

V12 aims to resolve complaints within three business days where possible. If this is not possible, they will acknowledge your complaint and carry out a full investigation.

Regulatory information

This is an unregulated credit agreement, so you will not be offered the protections of the regulatory system as regulated by the Financial Conduct Authority, including the right to take a complaint to the Financial Ombudsman Service. Failure to maintain payments may mean you incur charges, repay more than borrowed, and make future borrowing more difficult. Carefully consider whether the purchase is affordable and how you will make the repayments

Data privacy

Applying for V12 Finance you are providing consent to their processing of your personal data in accordance with their privacy notice.

Faulty Goods and Your Legal Rights

If you are a consumer, you have legal rights under the Consumer Rights Act 2015 in relation to goods that are faulty, not as described, or not fit for purpose.

If a fault is identified within 30 days of delivery, you have the right to reject the goods and receive a full refund.

After 30 days, we will first offer a repair or replacement, which we will provide within a reasonable time. If this is not possible or unsuccessful, you may be entitled to a refund. A deduction may be applied to reflect the extent of your use of the goods.

These rights apply in addition to any guarantees offered by Loaf.

We've partnered with PayPal to offer you more flexible ways to pay at no extra cost to you.

All PayPal payments are covered by enhanced Buyer Protection offered by PayPal. This means that if an eligible item you've purchased doesn't match our description, doesn't arrive or is damaged, PayPal will reimburse you the full amount for the item plus posting and packaging costs.

What is Pay in 3?

Pay in 3 is an interest-free loan that allows you to split your basket into 3 payments. The first payment will be due at point of purchase with subsequent payments due every month on the same date.

Finance details

• Interest rate: 0% APR representative
• Finance term: 3 months
• Minimum loan amount: £30
• Maximum loan amount: £3000

Representative example

• Product price £2,295
• Delivery charge £95
• Castelan insurance £100
• Total basket value £2,490
• Deposit (first of 3 equal payments) £830
• APR Representative 0%
• Monthly repayment £830

To apply for Pay in 3 you will need:

• Title
• Phone number
• Address
• Date of birth
• Payment details

Regulatory Information

This is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments.