Flexible finance solutions

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Time 4 Sleep Ltd and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders.

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Time4sleep from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

Payment information is processed securely by Klarna. No card details are transferred to or held by Time 4 Sleep Ltd. All transactions take place via connections secured with the latest industry standard security protocols.

As soon as Time 4 Sleep Ltd have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

Yes. Just go to theKlarna appor log ontoKlarna.com/ukand pay off early.

If you need further assistance you can contact Klarna’s customer care team for free, or use our online chat service.

Please find links below to Klarna’s website where you can find more information on Klarna.

• www.klarna.com/uk/customer-service
• Local number: 0203 0050 833
• Freephone number: 0808 1893 333

You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).

Klarna is a Swedish Bank and payment service provider that takes end-to-end responsibility for your finance. Klarna is the provider of ‘smoooth’ payments to more than 205,000 online stores, over 85 million consumers worldwide and manages over 1 million transactions per day. Time 4 Sleep along with many other leading high street brands has trusted Klarna to securely handle our finance offer.

Spread the cost of your purchase into equal monthly payments, you can choose from 6 month interest free credit or 12 month at 19.9% APR. Please note that finance is a promotional offer and can not be used in conjunction with any other promotion.

At the checkout please select the option for Klarna Finance and choose your preferred term 6 or 12 months.You have to pay a minimum of 10% deposit but you can pay more. You will then complete a simple application with Klarna.Once you are approved you will be asked to pay your deposit, once this is done you will be sent back to the checkout and you can complete your purchase. Sit back and relax, we will send you your purchase.

Financing is only available to people aged 18 or over. Maximum age 80 (at the end of the agreement). Minimum 3 years UK residence and address history. Applicants must have a bank account which can make payments via Direct Debit.

Customers must be either:

• Full Time Employed
• Part Time Employed
• Self Employed
• Military
• Retired
• In receipt of Disability Allowance

If you have an active account (finance) with Klarna you can email customer services on cs.uk@klarna.com.

This is different for customers with Pay in 3, please refer to the Pay in 3 section for these details.

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.

Your monthly payments will be made by direct debit. If you would like to pay your finance off early or make an additional payment please contactcs.uk@klarna.com.

As soon as your return has registered your cancellation or your return, the refund will normally be processed within 7 business days. Your deposit will be returned to the card you used to make your deposit and any monthly payments will be returned to the bank account you used to make your payments.

Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy notices.

You have 14 days to cancel your finance agreement, this does not mean your goods can always be returned, please refer to Time 4 Sleep’s Terms and Conditions for the product you are purchasing

You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).

As part of our ongoing efforts to streamline our operations and provide the best possible value to our customers, we have made the decision to discontinue the use of discount codes and our partnerships with cashback sites. This change is driven by several factors:

Simplified Pricing Structure: We aim to offer straightforward and transparent pricing to all our customers. By eliminating discount codes, we reduce complexity and ensure that everyone receives the same competitive pricing without the need for special codes or deals.

Managing discount codes and cashback partnerships often leads to confusion and inconsistent experiences. By focusing on a uniform pricing model, we can provide a more seamless and predictable shopping experience.

The administration of discount codes and cashback systems requires significant resources. By reallocating these resources, we can invest more in improving our products and services, which ultimately benefits our entire customer base.

Instead of offering temporary discounts through codes or cashback schemes, we are committed to maintaining everyday low prices, ensuring that all customers benefit from great value on every purchase.

We understand that some customers have enjoyed using discount codes and cashback offers in the past. We appreciate your understanding as we make these adjustments to better serve our community with consistent, transparent, and high-quality service.