Finance at Relax Sofas and Beds

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At Relax Sofas and Beds we offer a range of finance packages through Klarna Bank AB (publ), both interest free and interest bearing, which could provide you with another option when purchasing your furniture.

The finance options available are dependent on the total order value as detailed below:

Total Order ValueFinance Options
£750 - £1249

9.9% APR for 12 months

9.9% APR for 24 months

£1250 - £1999

0% APR for 12 months

9.9% APR for 24 months

9.9% APR for 36 months

£2000 and above

0% APR for 12 months

0% APR for 18 months

9.9% APR for 24 months

9.9% APR for 36 months

9.9% APR for 48 months


Simply select the Finance option you require as the payment option at checkout.

Speed 9521 Ltd trading as Relax Sofas & Beds acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ).

Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority.  Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply. Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.



Representative Example 9.9% APR 12 Months
Item Value:£750.00
Total Amount of Credit:£600.00
Representative APR:9.9% APR
12 Monthly Repayments of:£52.60
Total Amount Payable:£631.20
Total Amount of Interest:£31.20


Representative Example 0% APR 12 Months  
Item Value:£1500.00
Total Amount of Credit:£1200.00
Representative APR:0.0% APR
12 Monthly Repayments of:£100.00
Total Amount Payable:£1200.00
Total Amount of Interest:£0.00



Who Can Apply for Finance?

  • Applicants must be 18 years or over on application date
  • Be a permanent resident in the UK for the last 3 years
  • In receipt of regular payments through one or more of the following sources:
    • Permanent employment (working a minimum of 16 hours a week)
    • Work or state pension
    • Disability allowance
    • Self-employment


How do I apply for finance?

Just select the 'Interest Free Credit' payment option as you checkout or let the sales advisor know if you're buying over the phone (please have the following details to hand: address for the last 3 years; annual income, employer’s details and bank account details).


Is there a deposit to pay?

Yes. You will be asked to pay a 20% deposit, which is paid once your credit application has been approved.  The deposit can be paid using a credit or debit card.


How do I make repayments?

Repayments are automatically collected from your bank account using direct debit.


When do my repayments start?

Your repayments start around one month after your furniture has being delivered. You will receive a pack from Klarna Bank AB (publ) detailing when the first direct debit payment will be collected.


Are there are any arrangement fees or hidden extras for credit?

No, there are no arrangement fees or hidden costs. You only pay for what you've borrowed at the agreed interest rate.



Should you have a complaint about your financial product please contact Klarna Bank AB (publ) by calling 0333 321 6080 or through their website:

If your complaint is still unresolved, you can ask for a review from the Financial Ombudsman Service, an independent service that will look into your complaint. You can contact them in writing, by phone or send them an email.

Write to them at:
The Financial Ombudsman Service
Exchange Tower
London E14 9SR

Call on:
0800 023 4567 or 0300 123 9123

Email them at:


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