Funding and Financing Your New Adjustable Bed

Adjustable beds and profiling beds can be life-changing for those with mobility issues, providing comfort, support, and independence. However, the cost of these beds can sometimes be a barrier. The good news is that there are several funding and financing options available to make purchasing a bed more affordable. In this guide, we’ll explore grants, financing plans, and other ways to help you cover the cost.

Financing Options for an Adjustable Bed

If paying upfront isn’t an option, Klarna finance offers a flexible way to spread the cost of your adjustable bed over time. Here’s everything you need to know about using Klarna to purchase your bed from Opera Beds:

What is Klarna Finance?

Klarna is a trusted buy-now-pay-later company that partners with businesses to offer flexible payment options. With Klarna, you can purchase your adjustable bed and pay for it in manageable instalments over 6, 12, or 24 months. This allows you to choose the bed you need without compromising on quality or comfort.

Key Features of Klarna Finance:

• Flexible Repayment Terms: Choose a repayment plan that suits your budget (6, 12, or 24 months).

• Fixed Interest Rate: Klarna charges a 9.9% APR, making it easy to calculate your monthly payments.

• Safe and Secure: Klarna is a regulated financial services provider, ensuring your payments are secure.

How to Use Klarna with Opera Beds

Using Klarna to finance your adjustable bed is simple and straightforward. Here’s how it works:

1. Choose Your Bed: Select the adjustable bed you want from Opera Beds’ range.

2. Apply for Klarna Finance:

   • Online: Apply directly through our website during checkout.

   • Over the Phone: Speak to one of our Opera advisors, who will set up the Klarna application for you.

3. Complete the Application: Klarna will send you an application form via email or text. This form will ask for your personal details to assess your eligibility.

4. Get Approved: Once Klarna approves your application, your order will be confirmed.

5. Pay a Deposit: Opera Beds requires a 25% deposit on each order. The remaining balance will be split into monthly payments based on your chosen plan.

6. Enjoy Your Bed: We’ll arrange delivery of your adjustable bed, and you can start enjoying the benefits right away.

Repayment Calculator

To help you plan your budget, we offer a repayment calculator. Simply enter the total cost of your bed, and the calculator will show you how much you’ll pay each month with Klarna finance.

Grants and Schemes for Adjustable Beds

If you’re on a low income or have specific medical needs, you may be eligible for grants or schemes to help cover the cost of a hospital bed. Here are some options to explore:

1. NHS Continuing Healthcare (CHC)

If you have complex medical needs, you may qualify for NHS Continuing Healthcare, which covers the cost of healthcare equipment, including adjustable beds.

How to Apply:

1. Request an assessment from your GP or healthcare provider.

2. A multidisciplinary team will evaluate your needs.

3. If eligible, the NHS will fund the bed as part of your care package.

However, it’s important to be aware that it may take a while to secure your bed, therefore you could be waiting longer to be discharged from the hospital. Additionally, the bed provided may only be temporary until you can buy your own. 

To find out more information and to see if you are eligible, speak with your occupational therapist, district nurse or local GP.

2. Disabled Facilities Grants (DFG)

The DFG is a government-funded scheme designed to help people with disabilities make necessary home modifications, including purchasing specialist beds. You can apply through your local council, and the grant can cover up to £30,000 in England, £36,000 in Wales, and £25,000 in Northern Ireland.

How to Apply:

1. Contact your local council to request an assessment.

2. An occupational therapist will evaluate your needs.

3. If approved, the council will provide funding for the bed and any necessary installation.

3. Charitable Grants

Many charities offer grants to help individuals purchase mobility equipment, including adjustable beds. Some well-known charities include:

• Turn2Us: Provides grants for people in financial need.

• Grants for Individuals: A database of charitable funds that may offer support.

• Age UK: Offers advice and support for older adults, including funding options.

How to Apply:

1. Research charities that align with your circumstances.

2. Check eligibility criteria and application processes on their websites.

3. Submit your application with supporting documents (e.g., proof of income, medical needs)

VAT Relief

Although this isn’t a funding or financing option, VAT relief is something to keep in mind when purchasing your bed. If you have a disability or a long-term illness, you won’t be charged VAT on any of our products that are designed or adapted to help you with your disability and are for personal use. 

Claiming VAT relief on your order is simple. All you need to do is provide written confirmation and a brief description of your medical condition, this can be done by filling in a form during the checkout stage of your purchase. But to qualify, you must meet the criteria. 

For more information read our VAT relief page or contact our team.

View this post on Instagram

A post shared by Opera Beds (@operabeds)

How Opera Beds Can Help

At Opera Beds, we’re committed to helping you find the perfect bed for your needs and budget. Our team can guide you through the financing options available, including interest-free credit and Klarna plans. We also provide advice on grants and schemes, helping you navigate the application process.

If you’re unsure where to start, get in touch with our expert advisors today through a no-obligation consultation.