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Interest Free Finance

On all orders over £299

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Interest Free Credit Available

We know some of you would prefer to spread the cost of your order in monthly instalments, which is why we work with one of the UK’s finest finance providers to help you easily purchase your favourite furniture. The minimum order value for you to spread the cost with DivideBuy is £299.

Who are DivideBuy?

DivideBuy is an Interest Free credit provider whose unique algorithm takes away the need for an underwriter or a third-party lender. Because of this, DivideBuy have an acceptance rate of 96% (subject to age and status).

How does DivideBuy work?

You can choose instalment options from 3 to 12 months depending on the value of your order. Your application will take just 60 seconds to complete and DivideBuy will provide an immediate decision allowing you to complete your purchase.

Once approved, you electronically sign your agreement and we will process your order – it’s that simple!

What are the requirements for DivideBuy credit?

  • You must be aged between 18 and 75.
  • Be a permanent UK resident
  • Have a valid debit or credit card.
  • Have a UK mobile number.
  • Have a valid email address.

When would I need to pay?

A minimum of your first instalment would be payable upon completion of your application. Dependant on credit factors, you may be required to pay a deposit or assign a guarantor along with a first instalment.

Any deposit is taken from the overall cost of your order and will reduce the monthly instalment figure.

Can I pay my agreement early?

Yes! Full or part payments can be made at any time through your DivideBuy account, over the phone or via their live chat facility. You can choose to pay a specific instalment amount, an amount to reduce the overall balance or pay the entire agreement. There are no additional charges for an early repayment.

Will a credit check be performed?

Yes. As the agreement is one of credit, a credit check is performed to assess your eligibility and affordability. DivideBuy uses a third-party credit reference agency in combination with their own unique algorithm.

DivideBuy do have a soft-search function which can assess your eligibility without leaving a mark on your credit file. You can call into ourselves, or DivideBuy’s customer service team on 0800 085 0885, to find out more.

Are there any charges or fees?

Not a penny. There are no setup charges, no cancellation fees and you pay 0% APR. DivideBuy do reserve the right to add late payment fees to your account in the event of any missed payments but this is all explained in your Credit Agreement before you compete the checkout process.

What if I need to change my delivery address from my billing address?

DivideBuy will need to approve any deliveries to addresses other than the application/ billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply.

To have goods delivered to another address, once you have placed your order and paid a first instalment, you need to contact DivideBuy directly who will then notify ourselves of any changes.

How can I contact DivideBuy?

Telephone: 0800 085 0885
Email: [email protected]
Or via their live chat facility with can be found at dividebuy.co.uk

Credit Web page

Why use DivideBuy?

Interest free instalments

Interest free instalments

Check eligibility, no effect on credit score

Check eligibility, no effect on credit score

Repayment automatic

Repayment automatic

Quick and easy

Quick and easy

Spread the Cost, Interest Free

Add items to your basket

Add items to your basket

Go to checkout and select DivideBuy

Go to checkout and select DivideBuy

Provide some personal details. If you are approved get instant credit decision

Provide some personal details. If you are approved get instant credit decision

Pay first instalment

Pay first instalment

Your goods are on their way

Your goods are on their way

FAQs

Are there limits on how much I can spend?

DivideBuy interest free credit is available on products/services from £50 to £6000. Credit is available from 2 to 12 months. Credit
offered is set by the retailer.

Who can apply for DivideBuy interest free credit?

  • Applicants must be aged between 18 and 75
  • Be a permanent UK resident
  • Have a valid debit or credit card
  • Have a valid UK mobile number
  • Have a valid email address

Will a credit check be performed?

Yes. A credit check is performed to assess your eligibility and affordability. DivideBuy also has a quick check service so you can
assess your eligibility for DivideBuy credit that will not affect your credit file.

How do I make my monthly payments?

Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and threedigit CV2. Payments will be collected automatically on the date your instalment is due.

Can I request delivery to an address other than my home address?

To guard against fraudulent applications, we are only able to deliver goods to your home address.

What if I would like to cancel/ return my order?

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.

My application was declined. Now what?

We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your
application was denied. DivideBuy is not permitted to share application information with us.

Who can I contact if I need help?

For any questions related to DivideBuy interest free credit please contact DivideBuy by visiting www.dividebuy.co.uk. For a full list of FAQs please click here.

Are there any fees or charges?

No. There are no APR or hidden charges. We do 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 electronically sign at the checkout process.

How can I manage my DivideBuy account?

To manage your account and make payments, you can log in accounts.dividebuy.co.uk

What if I need to change my delivery address from my billing address?

DivideBuy will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply. To have goods delivered to another address, once you have placed your order and paid a first instalment, you need to contact DivideBuy directly who will then notify us of the
changes.

How can I contact DivideBuy?

 

Email: [email protected]
Or via the DivideBuy live chat facility at dividebuy.co.uk

Zopa Embedded Finance Limited t/a DivideBuy credit agreements are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Credit is available to permanent UK residents aged 18+, subject to status, any missed payments may affect your ability to obtain credit from DivideBuy and other lenders. Please spend responsibly. Zopa Embedded Finance Limited registered at First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. Company number 14602085.

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