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0% Finance up to 2 years on HÜGGE with Klarna

To help makes things a little easier for our customers and ensure that everyone can get the best night’s sleep, we have teamed up with Klarna and DivideBuy to provide you with payment plan options to buy our super squishy, memory foam mattresses and fabulous bed frame. 

Representative Examples

King Mattress


or Klarna

King Mattress

Klarna only


Duration 12 months 24 months
APR Representative 0% 0%
Monthly Repayments £52.42 £26.21
Deposit £69.60 (10%) £69.60 (10%)
Amount of credit £629.40 £629.40
Interest Payable £0 £0
Total Repayable £699 £699
Rate of Interest (Fixed per annum) 0% 0%


There are no hidden fees with either Klarna or DivideBuy. When you select the 0% interest free credit option with either and spread the cost of your order it will not cost a penny more than paying for it upfront.

Dividebuy has a 96% approval rate, using a unique lending model that allows them to offer Interest-Free Credit to more people. The application is quick, can be completed in 60 seconds and you receive an instant decision. All documents are in digital format and signed using e-signature.


Klarna offer you two 0% APR payment plan options. Either 0% APR credit over 12 months or 0% APR credit over 24 months.

In order to be eligible for Klarna, you need to:

  • be aged between 18 and 80 years old
  • work 16 hours or more a week (or have a pension)
  • have lived in the UK for at least 3 years
  • have a good credit history (no late payments, CCJ’s, etc)

If you wish to take advantage of the Klarna payment plan options, simply proceed through checkout and select 'Klarna: Pay monthly (0% choose 12 or 24 months)' as your payment option where you can complete the application form online. Only available on orders between £300 - £5,000.


DivideBuy is an Interest-Free Credit provider. In partnership with HUGGE, DivideBuy brings you 0% APR credit for selected products online or over the phone. You can Spread the Cost on one or multiple qualifying items online by simply clicking the DivideBuy button at checkout.

You can choose instalment options from 3 months to 12 months depending on the value of your purchase. Your application will take just 60 seconds to complete and we will provide an immediate decision allowing you to complete your purchase. Once approved, you electronically sign your agreement and HUGGE will process your order.

In order to be eligible for DivideBuy, you need to:

  • be aged between 18 and 75 years old
  • be a permanent UK resident and have lived at your address for longer than one year
  • have a valid debit or credit card
  • have a valid UK telephone number

With your DivideBuy account you get access to these great features:

  • Exclusive offers from their Retail Partners
  • Quick checkout with hundreds of Retail Partners
  • View your credit agreement
  • View your instalment amounts and dates
  • Review your payment history.

To access your account or to find out more about DivideBuy, visit dividebuy.co.uk. Alternatively, call their Customer Service Team who are available on 0800 085 0885.

If you have any issues or have any further questions, don’t hesitate to get in touch with us here at HÜGGE. Ü

HUGGE LTD acts as a credit broker/intermediary and not as a lender. HUGGE is authorised and regulated by the Financial Conduct Authority.

For Klarna, credit is provided by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority. Finance is only available to permanent UK residents aged between 18-80, subject to status, terms and conditions apply.

For DivideBuy, instalment plans are provided by DivideBuy (DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Credit subject to status and age. Terms & conditions apply. Dependent on your credit score, you may be asked to pay a deposit or assign a guarantor. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266.)

HUGGE LTD registered address is: 9 Reans Meadow, Great Cambourne, Cambridge, CB23 5AB.

Some further FAQs for DivideBuy

Will a credit check be performed?
Yes. DivideBuy uses a third-party credit reference agency to perform a credit check. This is used in combination with your entered details and our own unique algorithm to assess affordability.

Will I have to pay a deposit?

Your first instalment is payable on completion of your order. In some instances, you may be required to pay a deposit based on a combination of your credit score, size of order and number of instalments selected.

How many instalments can I Spread the Cost over?

Depending on the total value of your order and the Retail Partner, you may be able to Spread the Cost up to 12 monthly instalments.

What happens if I want to end my agreement early?

DivideBuy offers the option to repay the remaining balance on your account at any point with no additional charges or fees to pay. You can do this by logging into your DivideBuy account on our website or by calling the Customer Service Team on 0800 085 0885.

Are there any other charges or fees?

There is 0% APR interest and no setup charges, cancellation or hidden fees. DivideBuy 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 complete the checkout process.