Bed Factory Finance Options


DivideBuy Credit Application

  • Express Application 
    We can approve your credit application in under 90 seconds.

  • Credit Rating
    We can still offer credit even if you do not a have a perfect credit history through the use of a guarantor.

  • Digital Signature
    No complicated forms to fill in here, all documents are on line and signed using an e-signature.

  • 0% APR
    You do not pay a penny more for your goods, all we offer is the opportunity to divide your payments over the year.
DivideBuy working in partnership with Bed Factory Direct provide interest-free credit on all beds, mattresses and associated products. .

DivideBuySimply click the DivideBuy at checkout to apply for 0%APR credit.

You can split your payment with instalments of 3 to 12 months. Once your application has been accepted, Bed Factory will then process and despatch your goods. 

With DivideBuy you can:
  • View your credit agreement
  • View your instalment amounts and dates
  • Change you card details
  • Pay instalments in advance
  • Review your payment history
  • Change or update your contact details
To access your account or to find out more about DivideBuy, please visit us at www.

Alternatively, call our customer service team who are available on 0800 0850885.


What do I need in order to apply for credit?
  • You must be a UK resident and have lived at your current address for over a year.
  • You do need a debit or credit card
  • You also need a mobile telephone number

Is there a minimum amount I need to spend?

Bed Factory Direct accept credit on all order over £389.00

Do you perform a credit check?
Dividebuy will perform a credit check but we use Callcredit, this means no footprint is left and other retailers will not see we have performed a check

Do I have to pay a deposit?
You will have to pay a deposit upon completion of your order, this will be determined by the number of instalments, the total order value and your credit score.

Can I spread payment over the year?
You can spread the cost of your new bed over 3 -12 months depending on the size of your order.

Can I finish my payment early?
You can log onto the DivideBuy website to pay any remaining balance on your account at anytime.

Do I pay any fee's for credit?
No, this credit option is simply splitting the cost of your new bed over time. You pay 0%APR so the price of your bed from Bed Factory Direct is the total price you pay.

Can I get credit outside the UK?
Unfortunately our credit option is only available if you are a resident of mainland UK..
Instalment Plans are provided by DivideBuy ( DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266.)