0% Interest Free Credit

Spread the Cost of your purchases Interest-Free

Available on orders over £250

0% Interest Free Credit Available at Beautiful Ink

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.

     Quick application

    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:

    • Exclusive offers from our 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 www.dividebuy.co.uk. Alternatively, call our Customer Service Team who are available on 0800 085 0885.

    Look out for the DivideBuy button

    Interest Free Credit available permanent makeup training


    What are the requirements for credit?

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

    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.

    About DivideBuy

    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.

    60-second application

    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.

    Transparent lending

    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.