At Glasgow Bed Centre we offer access to a some great finance options with both Laybuy and Klarna. You can learn more about them both here:
Both are accessible at checkout!
We offer two interest-free and fee-free Buy Now, Pay Later (BNPL) options:
Pay in 3
This option allows you to spread the cost of your purchase into 3 equal interest-free and fee-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days.
Pay in 30 days
With Pay in 30 days you have up to 30 days to pay for your goods after they are shipped, with no interest or fees. This means you can return the items if they’re not what you expected or need, without any money leaving your bank account.
On our BNPL products we conduct robust eligibility assessments on each and every purchase, including a soft credit check, which will not affect your credit score. This means we take a real time view of someone’s financial circumstances so we only lend to those who can comfortably pay us back.
We make sure you’re informed ahead of time before a payment is due. In our Klarna App you’ll have the chance to pay off your balance earlier or, in case you need some extra time, you can extend the due date for free and get 10 additional days to pay. You can extend the due date only once per order.
With our BNPL products you will never pay more than the price of the purchase. If you miss a payment we’ll reach out to you to ask for repayment but there will never be a late payment charge or interest and your credit score will not be impacted. Should you struggle to pay, we have a dedicated vulnerable customer team that can help you find a solution that works for you. If you miss a payment, however, we will restrict the use of our services.
If you have fallen behind on your payments and if after repeated attempts we are still unable to contact you to help you manage your payment plan, we will refer you to a debt collection agency. There are still no additional fees or interest charges passed to you and your credit score will not be affected. We only ever use debt collection agencies to continue to help us make contact with customers. We never sell unpaid debts to debt collection agencies on these products. This means Klarna maintains total control over how the debt is managed. We do not use enforcement agencies or bailiffs and neither do our debt collection agencies.
Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.
Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit and you can begin shopping immediately.
The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
Once you select Pay by Laybuy at checkout and complete your purchase, the merchant/retailer ships any products directly to you at the delivery address you have requested.