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



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 DivideBuy 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.

Consumer Credit Page

Credit Web page

Why use DivideBuy?

Interest free instalments

Interest free instalments

Check eligibility, no effect on credit score

Check eligibility, no effect on credit score

Repayment automatic

Repayment automatic

Quick and easy

Quick and easy

Spread the Cost, Interest Free

Add items to your basket

Add items to your basket

Go to checkout and select DivideBuy

Go to checkout and select DivideBuy

Provide some personal details. If you are approved get instant credit decision

Provide some personal details. If you are approved get instant credit decision

Pay first instalment

Pay first instalment

Your goods are on their way

Your goods are on their way

Pay over time with Dividebuy

DivideBuy 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

Who Are DivideBuy?

DivideBuy offers a way to spread the cost of your purchases with interest free credit. You can split the cost between 2 and 12 months depending on the application. The application process is quick and easy, and they give you an instant credit decision. There are no hidden fees or penalties for paying off an order early.

DivideBuy is the trading name of Rematch Credit Limited. We are registered and trading at First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH

Are there limits on how much I can spend?

DivideBuy interest free credit is available on products/services from £50 to £6000. Credit is available from 2 to 12 months. Credit offered is set by the retailer.

My application was declined. Now what?

We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your application was denied. DivideBuy is not permitted to share application information with us.

Who can I contact if I need help?

For any questions related to DivideBuy interest free credit please contact DivideBuy by visiting www.dividebuy.co.uk.

Are there any fees or charges?

No. There are no APR or hidden charges. We do reserve the right to add late payment fees to your account in the event of you missing payments. This is all explained in your credit agreement before you electronically sign at the checkout process.

How can I manage my DivideBuy account?

To manage your account and make payments, you can log in https://accounts.dividebuy.co.uk.

Will a credit check be performed?

Yes. A Hard Credit check is performed to assess your eligibility and affordability. DivideBuy also has a quick check service so you can assess your eligibility for DivideBuy credit that will not affect your credit file.

How do I make my monthly payments?

Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and three digit CV2. Payments will be collected automatically on the date your installment is due.

What if I would like to cancel or return my order?

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.

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.

What if I need to change my delivery address from my billing address?

DivideBuy will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply. To have goods delivered to another address, once you have placed your order and paid a first installment, you need to contact DivideBuy directly who will then notify us of the changes.

Zopa Embedded Finance Limited t/a DivideBuy credit agreements are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Credit is available to permanent UK residents aged 18+, subject to status, any missed payments may affect your ability to obtain credit from DivideBuy and other lenders. Please spend responsibly. Zopa Embedded Finance Limited registered at First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. Company number 14602085.

Copyright © 2023 Zopa Embedded Finance. All Rights Reserved.

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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