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Buying a DreamCloud mattress is easier than ever with flexible financing by Duologi.



0% APR financing for up to 12 months on your purchase.

For example, instead of £1049 (King mattress) up front, pay only £87.42 a month at 0% APR over 12 months.

Quick and Easy

Select Duologi at checkout and fill out the simple application to get started

Flexible Payment Plans

Choose the payment plan that works for you from 6 to 12 months.

Easy payments

Payment will be taken by Direct Debit

Automatic Payments

The first payment happens 30 days after your DreamCloud is despatched and you will receive an email to remind you before your next one is due.

Duologi Finance FAQs

Am I eligible for Finance?

Your basket total must be over £150 before the mattress financing option will be available

To apply you must:

1. Be over 18 years of age- Be a UK Resident for at least 3 years

2. Have a UK bank account that can accept direct debits- Have credit or debit card registered to your home address

3. Have a stable income whether through permanent employment or other means (Pension, Disability Allowance, etc.)

4. Understand that there will be a credit check performed when you submit your application. 5. Be able to accept delivery at the registered billing address. If you are unable to accept a delivery to the address in your application, we are unable to offer you a Financing payment.

When you submit your application information, it will be securely sent to Duologi for assessment.

What is the Finance application process?

- Add your products to the basket. Your basket value must be at least £150 for the finance option to apply.

- When you get to the checkout, please select Duologi’s 0% Interest Instalments, powered by Divido, select the repayment plan that suits you and 'Continue to Review', double check your details on the next page and 'Continue'.

- Carefully enter your details into the application form - ensure you are entering the correct details.

- You will normally get a decision from Duologi instantly. In case your application doesn't get approved instantly, don't panic.

- Complete the e-signature of Duologi’s credit agreements.

- You will receive an Order Confirmation from us and we'll despatch your order for delivery on the date you selected at checkout. If your delivery postcode falls outside of our 48 hour network, we will advise you of the next available delivery date.

- You will receive an email from Duologi including a pdf copy of your signed financial agreement.

Please note: We can only deliver to the billing address used in the finance application.

What information will I need to provide on my application?

During the application process you will be asked to provide some basic personal details such as your marital, residential and employment status. You will also need to have your bank account details handy and possibly your credit or debit card information for ID verification. Please enter these carefully as mis-typing information means automatic checks fail and this therefore slows down the process.

Will I need to have hard copies of my documents or credit card on me?

No, the credit application process is 100% paperless. You will simply need to provide your credit card information but no need to present the actual card at any point.

Why has my application has been referred?

When an application is referred this is usually because there is some information that is not able to be verified immediately. Once an application has been referred the information is manually verifed by an Agent and a decision is made.

Cancellations Refunds

You have the right to withdraw from your Finance agreement up to 15 days following the signing of the credit agreement. You will still be in a contract of purchase for the goods. Please contact us to arrange alternative payment, or to arrange the safe return of the goods, and we will instruct Duologi.

Who is your Lender?

Finance options are provided by Specialist Lending Limited t/a Duologi who is authorised and regulated by the Financial Conduct AuthorityRegistered office: 10 Bressenden Place, London, SW1E 5DH, United Kingdom.

Finance available subject to age and status. Terms and conditions apply.

Pay over time with Splitit

Splitit lets you use your existing credit card to turn your payment into smaller instalments over time. Choose from 3, 6, or 12 month payment plans - with no interest, application, or fees.

Frequently Asked Questions

What is Splitit?

We are partnered with Splitit, the leading monthly instalment plan service. You will be able to select this payment method at Checkout and choose the repayment plan duration that suits you.

How does Splitit work?

The Splitit solution enables DreamCloud to provide instant monthly-instalment payment services to you using your existing credit card. This means you can buy a DreamCloud mattress now and pay it back in affordable instalments.

As part of the acceptance process, a request is made for the full cost of the order to ensure your credit availability.

This will reserve the total purchase amount from your available line of credit. Then, each month, according to the payment plan you select, Splitit will collect the instalment amount and request authorisation for the remaining balance—before the current authorisation expires.

The Splitit service, which takes just seconds to operate, is initiated directly from DreamCloud’s website.

Will using Splitit affect my credit rating?

No it will not. If you use a Splitit instalment plan there is no impact on your credit score.

All the bank sees, are the individual instalment charges each month. If one of your payment authorisations declines, there is still no effect on your credit rating

Do i have to pay a deposit with Splitit?

No, not at all - with Splitit you can choose to spread your order total over 3-12 months and you’ll only need to pay the first instalment when you are placing your order.

Please be aware that the total of your order will be held on your credit card for the duration of your selected plan and will reduce each month once your instalment has been paid.

Try Our Calculator

Select Your Mattress Size:



Payment Plan Options Calculations:

  • 3Months--
  • 6Months--
  • 12Months--

Representative Example

  • Purchase Price: SELECT A SIZE
  • Amount of Credit: SELECT A SIZE
  • Total Repayable: SELECT A SIZE
  • Agreement Duration: 12 months
  • Monthly Payment: SELECT A SIZE
  • Rate of Interest: 0% per annum
Representative: 0%APR
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