DREAMCLOUD MATTRESS FINANCING

We are pleased to be able to offer you Flexible Financing Plans with DivideBuy.

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0% APR financing for up to 36 months on your purchase.

Consumer Credit Page

How using DivideBuy works

Step 1

Add items to your basket

Step 2

Visit the checkout & select DivideBuy

Step 3

Apply for credit

Step 4

Make initial payment

Step 5

Order is processed & goods dispatched

Are there limits on how much I can spend?

DivideBuy interest free credit is available on products and services from £250 to £6000. Credit is available from 6 to 36 months. 6-12 months from £250, 18 months from £600, 24 months from £800 and 36 months from £1000.

Who can apply for DivideBuy interest free credit?

Applicants must be aged between 18 and 75
Be a permanent UK resident
Have a valid debit or credit card
Have a valid UK mobile number
Have a valid email address

Will a credit check be performed?

Yes. A credit check is performed to assess your eligibility during your application.

DivideBuy also has a quick check service which is available on this website 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 instalment is due.

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 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, youll need to arrange for it to be returned using the retailers 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.

My application was declined. Now what?

Were sorry that your application has been declined. You have the right to appeal this decision, although there is no guarantee that the outcome will change. You can request an appeal by contacting us at customerservice@dividebuy.co.uk. We may ask you to provide additional information to support your appeal.

You may also want to obtain a copy of your credit file before making any further applications. The credit reference agency we used for your Zopa Bank application are set out below.

TransUnion International Limited,
One Park Lane, Leeds,
West Yorkshire LS3 1EP
www.transunion.co.uk

You can also find more information about how credit referencing works in our privacy notice at https://www.dividebuy.co.uk/privacy-policy

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. For a full list of FAQs please click here.

Are there any fees or charges?

There are no hidden charges as we offer Interest Free Credit on all of our Finance plans.

How can I manage my DivideBuy account?

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

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 instalment, you need to contact DivideBuy directly who will then notify us of the changes.

How can I contact DivideBuy?

Email: hello@dividebuy.co.uk
or via the DivideBuy live chat facility at dividebuy.co.uk

Nectar Sleep Ltd t/a DreamCloud Sleep (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 t/a DreamCloud Sleep to undertake Credit Broking.

Nectar Sleep Ltd t/a DreamCloud Sleep act as a credit broker not a lender, we will introduce you to Zopa Bank Limited trading as Dividebuy and we do not earn a fee or commission for the referral. You will not pay more as a result of our commission arrangements.

Interest free credit agreements provided Zopa Bank Limited trading as DivideBuy that are 12 months or less in duration are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Zopa Bank Limited trading as DivideBuy is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. VAT Number 281765280. DivideBuy's trading address is First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH.

© Zopa Bank Limited 2024. All rights reserved.

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