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Here at The Cotswold Bed Company we are delighted to offer our customers the option of Interest Free Credit to purchase our bespoke beautiful beds and mattresses.

We can offer 6 months Interest Free Credit for purchases over £500- and 12-months Interest Free Credit for purchases over £1000

We have partnered with Duologi whose technology lets you apply for and then complete the loan application quickly and entirely online.

First, add the items you wish to purchase to your basket. When you reach checkout select the best finance option for you and choose 'Pay with Duologi'. The quick application form takes no more than a couple of minutes to complete and then you’ll receive an instant decision.

Check your eligibility

Before you apply please note you will only be considered for finance if you:

  • 18 years  or old

  • In regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)

  • A permanent UK resident for 3 years or more.

  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

  • Able to make regular repayments via Direct Debit

  • Have a debit card or credit card in your name and registered to your address as well as a bank or building society current account

  • Other conditions may apply and we cannot guarantee that your application will be accepted



We will take a 10% deposit from you upon placing your order then regular monthly payments will be taken 30 days after delivery of your item/s across 6 or 12 months depending on the option selected and purchase value.

The example below is based on a typical purchase using The Cotswold Bed Company Interest Free Credit.

A representative example would be:

0% finance over 12 months
• Total order value = £1200
• 10% deposit = £120
• Total amount of credit = £1040
• Duration = 12 months
• Representative APR = 0%
• Interest charged = £0
• 12 monthly payments of = £90
• Total amount payable = £1200

* Interest Free Credit is subject to application and status. The Cotswold Bed Company Ltd acts as a credit broker and not the lender.

***Could we add the Finance Calculator from Duologi? If it is possible Please contact Duologi ****



At the final stage of the checkout you will be given the option to select your payment method. Upon selecting The Cotswold Bed Company Interest Free Credit, you will be shown a choice of monthly repayments, of 12 months or 6 months based on a min of 90% of your order value (min 10% of the balance being required by way of deposit).

Prior to payment, you will be redirected to Duologi Finance website where you will be able to select your preferred terms before progressing with your application.


The application shouldn't take more than a few minutes, with an instant answer on whether your application for finance has been successful.

Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive.



Applications may not be accepted for a number of reasons, including incorrect information or failing to meet the specified requirements.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases, you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

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

  • Your existing account performance with other lenders

  • You are considered to be overcommitted financially

If your application is unsuccessful your order will automatically be cancelled. You can still purchase the item in full via PayPal or with a valid credit or debit card. If you wish to reapply please call us on 01242 300 392 or email sales@thecotswoldbedcompany.com



Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.



There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi.

A finance agreement does not affect our standard refund and returns policy. Just contact The Cotswold Bed Company and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.

For any other questions contact us on 01242 300392 or via email sales@thecotswoldbedcompany.com

Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. You will be offered the best rate available based on your personal credit history and Duologi's credit decision policies.

Should you have any questions that aren't covered on this page please contact one of our dedicated Customer Services team call us on 01242 300 392

Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (company number 10664999) and authorised and regulated by the Financial Conduct Authority (register number 774712). For more information please go to www.Duologi.com/faq or visit www.Duologi.com.