0% Interest-Free credit available, choose Klarna or Divide Buy at the checkout. payments

Finance Information

Finance FAQs

What’s the difference between our finance providers?

Each of our three supported operators have differing perks and benefits to suit a customers needs, preferences and requirements at the time of making an order. If you’ve come to find out which is the right option for you, you’ve come to the right place!

DIVIDEBUY


DivideBuy offers up to 10 months interest free on orders over £450. This method of payment tends to be used for larger orders, as it helps break them down into bite sized chunks over longer periods of time.

Find out more about DivideBuy here

KLARNA
Klarna offers 3 months interest free finance and a “Pay in 30 days” option with no order total thresholds. The great thing about Klarna is that you will only begin paying once we have shipped your order from our side giving you even more confidence when purchasing.
Find out more about Klarna here

DivideBuy Information

If you select this option at the checkout, you will need to pay the first instalment at the time of order. By logging in to your account on their website this will allow you to track your payments, pay earlier, or pay off the rest of your order total if required. It is worth nothing that there are no hidden charges or fees and you are not penalised for any early repayments.

You can also choose to move your payment date if you find it is inconvenient provided there are no missed payments on your account, you will need to contact them in order to do that.

FIND OUT MORE ABOUT DIVIDEBUY
dividebuy.co.uk | hello@dividebuy.co.uk | Live Chat

Klarna Information

Klarna offers two payment types which is their 3 months interest free finance option or the pay in 30 days option which is explained in further detail below. Both of these options you will not have to pay until we have shipped these goods from our systems. So we would advise ensuring you have funds put aside for your first instalment when delivery can be made.

Klarna also has a very handy app that you can use to track your payments, pay early and even speak with them in a live text chat with great response times if you are experiencing issues.

Pay In 30 Days
Once your items have been shipped from our systems, a countdown to payment will begin. You will have 30 days in which to pay the full amount from that moment onwards using the Klarna application. Simply select “Pay in 30 Days” at the checkout as your payment if this is of interest.

FIND OUT MORE ABOUT KLARNA

klarna.com | 0808 189 3333 | Help

Snap! Finance Information

For more information about Snap Finance, check out their website for lots more info or contact them directly for help, guidance or assistance about their service.

Comfy Homes is authorised and regulated by the Financial Conduct Authority (Firm reference number 9870992).

We are a credit broker, not a lender, and offer credit facilities from Snap Finance Ltd. Snap Finance Ltd act as the lender.

Credit Subject to status. Terms and Conditions apply.

Snap Finance Ltd is a company registered in England and Wales. Company Number 08080202
Registered address: Snap Finance Ltd, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB

How to Apply

To begin, add your selected item(s) to the cart and head to the checkout. You will then need to select DivideBuy, Klarna or Snap Finance as your payment option in the payment section. Please be aware, for Divide Buy orders, your order total must be at £450 or more to qualify.

Once selected, a form will be generated allowing you to create an account and fill out relevant details. Once completed, the form will give its customers an instant decision. If you find you are eligible for this service, you will need to sign via an online e-signature and may need to pay the first deposit upon completion depending on the provider.

Your items will be delivered to you as normal and you will not need to wait until you have paid off your order total to receive your goods.

Alternatively, if you need direct assistance with your form please visit the relevant website:

Divide Buy: dividebuy.co.uk

Klarna: klarna.com

Snap! Finance: snapfinance.co.uk

Will a credit check be performed?

Yes. Most finance companies use 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 depending on the finance provider. 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 24 monthly instalments.

What happens if I want to end my agreement early?

All of our finance operators offer the option to pay the remaining balance on your account at any point. You can do this by logging into your respective finance account or contacting them directly.