Reasons to use DivideBuy:
No hidden fees and 0% interest APR
Spreading the Cost of your purchase using Interest-Free Credit does not cost any more than paying upfront.
96% approval rate
Our unique lending model allows us to offer Interest-Free Credit to more people.
Complete the 60 second application and receive an instant decision.
No paperwork required
All documents are in digital format and signed using e-signature.
DivideBuy is an Interest-Free Credit provider. In partnership with our retailers, we bring you 0% APR credit for selected products online, in-store or over the phone. You can Spread the Cost on one or multiple qualifying items online by simply clicking the DivideBuy button.
You can choose instalment options from 3 to 12 months depending on the value of your purchase and the retailer. 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 the retailer will process your order.
With your DivideBuy account you get access to these great features:
To access your account or to find out more about DivideBuy, visit www.dividebuy.co.uk. Alternatively, call our Customer Service Team who are available on 0800 085 0885.
Look out for the DivideBuy button
What are the requirements for credit?
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.
DivideBuy offers Interest-Free Credit through our Retail Partners. A fast application process with an immediate decision means you can choose to Spread the Cost of your purchase with no hidden charges. Your single DivideBuy account can be used across our diverse range of Retail Partners.
Instalments to suit you
You have the option to Spread the Cost of your purchase Interest-Free in monthly instalments for up to 12 months* to suit your budget.
The DivideBuy application is a fast and simple process, taking only 60 seconds to complete. Once you have applied, DivideBuy offer an immediate decision so you can purchase your item.
96% of applications approved
DivideBuy’s credit scoring algorithms and machine learning software enables it to responsibly approve 96% of applications. As a lender, DivideBuy have fewer restrictions on whom they lend to compared to brokers.
Interest-Free Credit with no hidden fees and simple lending terms laid out in the clearest format. DivideBuy invites their customers to leave a review on Feefo, which can be found here: bit.ly/DBFeefo
A diverse range Retail Partners
DivideBuy have partnered with many of Retail Partners and the list continues to grow each week. Whether you want the latest watch style, looking for a new bed or upgrading your PC, DivideBuy have a Retail Partner to Spread the Cost with.
Discover the latest offers
You can view our diverse range of Retail Partners and their DivideBuy exclusive deals from your DivideBuy account. With DivideBuy you can Spread the Cost on thousands of great deals!
UK based Customer Service
The DivideBuy Customer Service Team are based in the UK and can be contacted by phone, email or live-chat 7 days a week. They are here to support you, whether you have a query about your account, your purchase or want to make an early payment. Customer Service opening hours are: 8am - 8pm, Monday to Saturday and 9am - 6pm on Sundays.
Managing your account on-line
With your DivideBuy account on-line, you can: • Amend your personal and payment details. • View your payment schedule and make early repayments. • View exclusive offers from our Retail Partners (coming soon).
*Instalment options vary dependant on purchase amount and credit score.