Finance your mattress your way with V12 or Snap

Pay for your Nectar a bit at a time

Choose V12 or Snap at checkout to buy now, pay later

Optional Deposit available
Finance Terms up to 4 years
Rates from 0%APR - 9.9%APR Representative
Minimum spend £250

£1 Deposit
Spread the cost up to 4 years
Rates from 19.9%APR-39.9%APR Representative
Minimum spend £250

See How It Works

Select financing option

Select mattress size

Select monthly installments

0% APR

Finance not available on this item at the selected plan length

Classic Memory Foam Mattress

Temperature Regulation
Ultra Comfortable

£199 £0

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Premium Choice

Premier Memory Foam Mattress

Extra Cooling
Extra Back Support

£399 £0

£66.50 /mo. with

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How does the Nectar mattress financing work?

Select V12 or Snap as your payment method
Complete the Finance Application and Receive a Fast Decision
Pay by payment installments and enjoy your purchase

With V12 and Snap Finance you can spread the cost of your purchase across monthly instalments.

Nectar has partnered with V12 and Snap Finance to offer a range of Finance Plans, from 6-48 Months. We think you'll love your Nectar mattress — but if it's not quite right, we've made returning it as easy as possible. Once we have collected your Nectar Mattress, refunds are quick, and our team is always here to help with any support you need.

Use V12 to pay monthly

Flexible Finance Options with V12We want everyone to enjoy a better night’s sleep, so we’ve partnered with V12 Retail Finance to offer a range of flexible payment options.
Choose a payment planDepending on your order value, you can select an instalment term from 6 to 48 months.
Complete your applicationApply online and V12 will provide a credit decision, allowing you to complete your purchase.
Sign and place your orderOnce approved, electronically sign your agreement and we’ll begin processing your order.

Shop Mattress

Select V12 financing at check out. A Hard Credit check will be carried out once the Application is completed.

Are there limits on how much I can spend?

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

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

Who can apply for V12 Retail Finance?

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

Will a credit check be performed?

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.

How do I make my monthly payments?

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.

Can I request delivery to an address other than my home address?

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

What if I would like to Cancel my order?

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.

What if I would like to Return my order?

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@nectarsleep.co.uk.

My application was declined. Now what?

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.

Who can I contact if I need help?

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.

How can I manage my V12 Retail Finance account?

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.

How can I contact V12?

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

Nectar Sleep Ltd (FRN 933430) is an Appointed Representative of Consumer Credit Compliance Limited who are authorised and regulated by the Financial Conduct Authority (FRN 631736).
The permissions of Consumer Credit Compliance Limited as a Principal firm allow Nectar Sleep Ltd to undertake Credit Broking.
Nectar Sleep Ltd act as a credit broker not a lender, we will introduce you to V12 Retail Finance Limited and Snap Finance Limited. We do not earn a fee or commission for the introduction. Finance is subject to status, age, affordability, and credit checks.
V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Retail Finance Limited act as a credit broker and not a lender and introduces you to Secure Trust Bank Plc, its parent company.
Secure Trust Bank PLC. Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: Yorke House, Arleston Way, Solihull, B90 4LH.
V12 Retail Finance is a trading name of Secure Trust Bank PLC.

Who are Snap Finance?

We've partnered with Snap Finance, who utilise secure technology to enable you to conveniently submit a loan application online.

The application process is simple and can be completed online, with a decision in minutes. The flexible repayment options allow you to choose the repayment plan that best fit your needs and budget.

Snap Finance understands that circumstances change and will always strive to help in instances in which you are experiencing personal/financial difficulty. Snap Finance is a convenient and reliable option to consider.

How do I qualify to apply for Snap Finance?

To qualify to apply for Snap Finance, you will need to be:

At least 18 years old
A permanent UK resident
Receive a minimum of £200 weekly income
Have an active Current Account that can accept Direct Debits

Will I be accepted for finance?

When making your application, Snap will make an assessment on your eligibility, credit history, and affordability. When assessing eligibility, Snap conducts a 'soft' search on your credit file to assess loan affordability and repayment likelihood. Be aware that once your application is finalised, a 'hard' check will appear on your credit file.

What happens if I have been declined?

If your application is declined, Snap may not be able to provide you with the specific reasons why. Snap refers to credit report data, along with your financial details, to make lending decisions. If you feel as though there may have been a mistake, contact Snap directly using the contact details provided in the email notifying you of your unsuccessful application.

Do I have the right to cancel & what is the 14 day cooling off period?

To cancel your finance agreement, please arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Snap to cancel your finance agreement and refund any payments that you have made. You can exercise this right to cancel your finance agreement within 14 days, beginning the day after you have entered into the agreement.

Things to know before signing your loan agreement

Before signing your Snap loan agreement, you will receive essential documents to review. Please ensure you understand the terms and information within these documents and reach out to Snap's customer support team if you have any questions.

When can I see my loan agreement?

Upon approval and completion of your purchase, you will be required to sign your loan agreement. Once signed, you will receive a copy via email.

For any questions or concerns, Snap's customer support team will be able to assist.

Who should I contact if I have a question about my loan?

For enquiries about your loan, including Direct Debit setup or personal details updates, please text the word HI to Snap at: 07860 078257 or email Snap Customer Service at: customer@snapfinance.co.uk.

How do I make my contractual payments?

Snap will assist you in setting up convenient, pre-authorised direct debit payments through your bank account.

Can I request delivery to an address other than my home address?

For security reasons, goods can only be delivered to your home address. If you have recently moved address, please contact Snap's customer service team on 03300 109381 to update your address.

I want to change my Direct Debit details

Contact the Snap customer service team directly by texting the word HI to 07860 078257 to discuss any amendments to your direct debit.

I want to make additional payments

If you wish to make additional payments, please text the word PAY to 07860 078257 in order to make a secure payment or email customer@snapfinance.co.uk.

Your personal or financial circumstances

Life can bring unexpected changes. If you encounter difficulties with your online application or face uncertainty, reach out to the Snap customer service team for assistance. In cases of changing circumstances, please contact the Snap customer service team on 03300 109 381 and they will be able to assist. Alternatively, text the word HI to 07860 078257 or email customer@snapfinance.co.uk.

Use of your personal data

To process your application, you'll need to provide personal, employment, and financial information. Snap will use this data for creditworthiness and affordability assessments through one or more Credit Reference Agencies. Learn more about how Snap handles your personal data in their Privacy Policy.

Nectar Sleep Ltd (FRN 933430) is an Appointed Representative of Consumer Credit Compliance Limited who are authorised and regulated by the Financial Conduct Authority (FRN 631736).
The permissions of Consumer Credit Compliance Limited as a Principal firm allow Nectar Sleep Ltd to undertake Credit Broking.
Nectar Sleep Ltd act as a credit broker not a lender, we will introduce you to V12 Retail Finance Limited and Snap Finance Limited. We do not earn a fee or commission for the introduction. Finance is subject to status, age, affordability, and credit checks.
Snap Finance Limited act as the lender. Snap Finance receives a commission (Merchant Discount Rate), this does not affect the terms of your loan. Snap Finance Credit subject to status. Terms and conditions Apply. Snap Finance Limited is a company registered in England and Wales. Company Number 08080202. Registered address: Snap Finance Limited, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB.