Nectar Finance Options

We want everyone to be able to sleep on a Nectar mattress so we have partnered with Dividebuy to offer you a range of finance payment options.

With a 365 Night Trial, Forever Warranty & a Responsible Mattress Financing Service, we’ve aligned all our efforts to ensure you get the best sleep of your life!

With DivideBuy you can spread the cost of your purchase across monthly instalments.

Depending on the value of the items you would like to purchase, you can choose instalment options from 6 to 36 months.

Complete your application and Divide Buy will provide a Credit decision allowing you to finalise your purchase.

Once approved, you electronically sign your agreement and we will process your order.

You’ll either fall deeply in love with Nectar and live happily ever after. Or you’ll say goodbye in the easiest breakup of your life—refunds are quick once we have collected your Nectar.


  • No Annual Fee
  • 0% Interest options
  • Autopay monthly
  • Payment Reminders
  • Secure
  • Easy-to-Use App available

To offer you Klarna’s payment options, we will pass to Klarna certain aspects of your personal information, such as contact and order details, for Klarna to assess whether you qualify for their payment options and to tailor the payment options for you.

General information on Klarna you can find here. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s privacy policy.


Who are Klarna?

Klarna was founded in 2005 in Stockholm, Sweden with the aim of making it easier for people to shop online. In the last 17 years, technology has evolved, excited and transformed the world around us, yet their mission remains as relevant as ever, to make paying as simple, safe and above all, smooth as possible.

What information do I need to provide when I buy using Klarna?

To make a purchase with Klarna you need to provide:
  1. Your Phone Number
  2. Email Address
  3. Current Billing Address
  4. A valid debit/credit card
We recommend that if you are new to Klarna and you haven’t used Klarna’s payment options before, you should have your first order delivered to your billing address (where your bank account is registered). This maximises the chances of your purchase being accepted.All information will be sent to your email address, so it’s important that you provide the correct contact details. If you do not receive your statements you may become liable for late payment fees.

How do I use Klarna?

It’s easy to use Klarna as payment for your Nectar order—here’s how:

- During checkout, select Klarna as your payment method.
- Select to either pay for your order in 30 days or pay for your order in three instalments.
- Pay in 30 days: you’ll have 30 days to complete your payment.
- Pay in three instalments: your first payment is collected when your order is confirmed. The remaining two will be automatically collected every 30 days.
- Fill in the required payment details and complete your order.
- Klarna will email you about your payment.
- Pay in 30 days: you’ll receive an email from Klarna with an invoice and payment steps.
- Pay in three instalments: you’ll receive an email from Klarna outlining your payment schedule and you’ll be charged for your first instalment. You’ll also be able to view and manage your payments in the Klarna App.

Will I be charged any interest or fees?

If you make your repayments on time, Klarna will not charge any interest or fees. Please note that late fees apply if you miss your repayments.

When do I have to pay for my order with Klarna?

Klarna will send you an email within 2 days of your order being placed with payment instructions.
  1. You’ll have 30 days to complete the payment online. You can pay at your convenience, with no extra cost via credit or debit card.
  2. You’ll receive a reminder two days before your payment is due, and you’ll also receive email reminders.
  3. If you do not pay for your order on time, you may no longer be able to access Klarna’s payment options for future purchases
  4. If a payment is late, Klarna will contact you over a period of several months to try and arrange repayment of the outstanding balance. If after a period of several months you have not repaid, Klarna may use a debt collection agency to recover the outstanding balance.

Who do I contact if I have questions about my Klarna invoice or payment status?

Please contact Klarna directly for questions regarding your invoice or payment status.

If I return my Nectar order, how do I get my refund?

Once the Return process is complete we will advise Klarna that a refund is due on your order. Refunds usually take 5-7 working days to be back in your account.

Will I have to confirm payment for every instalment?

No, Klarna will charge you automatically for each instalment (initial payment, day 30 and day 60). You’ll be notified through Klarna App push notifications. if you have the app or via email or SMS dependent on how you prefer to be contacted by Klarna.


Why use DivideBuy?

Interest free instalments

Repayment automatic

Check eligibility, no effect on credit score

Quick and easy

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

Step 3
Apply for credit

Step 4
Make initial payment

Step 5
Order is processed & goods dispatched

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


    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/ 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.

    My application was declined. Now what?

    We’re 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: 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,
    West Yorkshire
    LS3 1EP

    You can also find more information about how credit referencing works in our privacy notice at:

    Who can I contact if I need help?

    For any questions related to DivideBuy please contact us by visiting 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

    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

    How can I contact DivideBuy?


    or via the DivideBuy live chat facility at

    Nectar Sleep Ltd (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 to undertake Credit Broking.

    Nectar Sleep Ltd 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 by 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.

    365-Night Home Trial

    Almost 2x longer trial than our closest rivals.

    Forever Warranty

    Guaranteed for as long as you own the mattress.

    Free Delivery & Returns

    Choose a delivery day. Get it picked up for free.

    Monthly Payments

    Spread the cost with up to 36 monthly payments.

    Try our Finance Calculator

    Nectar Premier Hybrid Mattress

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    Finance Example

    Purchase Price:


    Amount of Credit:


    Agreement Duration:

    36 months

    Monthly Payment:


    Rate of Interest:

    0% per annum


    0% APR