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Interest Free Credit


We are delighted to announce an exclusive online offer allowing you to spread the cost of your order with Interest Free Credit, when you spend over £399.99.  With 0% APR finance and a maximum of 20% deposit, you will be closer to affording the bed of your dreams.

We have partnered with DEKO and Omni Capital,  allowing you flexibility and control in spreading the cost of your order over 6 months or 12 months depending on order value.  The Dormeo Payment Plan is an easy choice and gives you peace of mind to sleep easy at night, with affordable monthly repayments. 

interest free credit

Why choose Dormeo payment plan?

The Dormeo Payment Plan is an easy choice in getting your best night’s sleep ever with affordable monthly repayments.  We have partnered with DEKO and Omni Capital, allowing you flexibility and control in spreading the cost of your order over 6 months or 12 months, with a 0% interest.

0% free credit

What are the cost of Dormeo payment plan?

Dormeo offers an interest free credit with 0% APR representative, which means that you will pay only the purchase price of your mattress. You can select a 10% or 20% deposit when you place the order and the rest of the amount will be spread across 6 or 12 months period depending on your order spend.

What payment options are available?

Dormeo payment plan offers 6 or 12 monthly payment options with 10% or 20% deposit. You can choose 6 months option if you spend over £399.99 and a 6 or 12 monthly payment option when you spend over £599.99.

interest free credit

How to apply for the Dormeo Payment plan?

Place desired items in the basket in the value over £399.99 and proceed to checkout. Once you have filled in shipping details, you will be given option of paying with Dormeo Payment Plan. Select number of monthly payments and deposit value then place the order.

Once you have placed the order you will be redirected to Deko application page, where you will need to fill in an online form (takes less than 4 minutes to complete). Your credit request will be processed immediately and if accepted, your order will be passed on to Dormeo for despatch. Your deposit will then be taken from your debit or credit card.

Finance is provided through the DEKO by Omni Capital. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

Consumer credit service is provided by DEKO. DEKO is a trading name of Pay4Later Ltd who act as a credit intermediary. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to or visit

Finance is provided through the DEKO platform by Omni Capital. Omni Capital Retail Finance is Authorised and Regulated by the Financial Conduct Authority (Firm Reference Number 720279). Omni Capital Retail Finance Ltd is registered in England and Wales, Reg. No 7232938. Registered address: 10 Norwich Streetm London, England, EC4A 1BD.

How do I make the Monthly Payments?

Your credit agreement starts on delivery of your products and monthly payments will commence a month later and will be taken from your selected debit or credit card.

Do I Qualify for Finance?

You must be over 18 years of age and a permanent resident in the UK to qualify for Dormeo Payment plan finance and all loans are subject to status. Once you completed our online form, your answers will be assessed and will receive an instant approval or refusal of credit. On rare occasions, your application may be held for manual assessment, in these instances a decision will be emailed direct to you within a couple of working hours.

What happens if I return the mattress within the 60 night comfort guarantee?

If you decide to return your product and are paying by instalments, we will cancel any future payments and refund any monies already received (including your initial deposit).


You can call our sleep experts now on 0800 625 0134 to take advantage of our flexible 3 monthly payment option to help you spread the cost of your new Dormeo mattress.  Alternatively you can spread the cost of an Octaspring mattress over the phone over 4 months, so the choice is yours. 

Your mattress will be delivered in around 14 to 28 days working days as usual, you still get free delivery and a 60 night comfort guarantee, but you won’t have to pay for it all in one go! 

Sleep now, pay the balance later!

Call us FREE now to arrange yours 0800 625 0134

Dormeo UK Limited is Authorised and Regulated by the Financial Conduct Authority as a Consumer Credit Firm under firm number 627302.