When you're on the DreamCloud site they divide the price by 12 to give you the interest free period. When you go on to DivideBuy payment page the repayment period may be different. I was quoted 12 months at £33pm on DreamCloud but when I went on to DivideBuy I was presented with a Drop Down menu offering 6 months at £66pm but no 12 month option. DivideBuy say this is because the amount I was spending was below DreamCloud's threshold for 12 months interest free. That's fair enough but just unfortunate that it was not made clear earlier in the process. If I had known there was no 12 month payment option I may not have gone ahead with the purchase. Aside from that I have no problems with DivideBuy and they dealt with my query re the above in a professional manner.