DivideBuy Finance

Reasons to use DivideBuy

• Interest free instalments
• Check eligibility, no effect on credit score
• Repayment automatic
• Quick and easy

Spread the Cost, Interest Free

• Add items to your basket
• Go to checkout and select pay monthly
• Provide some personal details. If you are approved get instant credit decision
• Pay first instalment
• Your goods are on their way

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 2 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.

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.

FAQs

Are there limits on how much I can spend?

DivideBuy interest free credit is available on products/services from £250 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 make manage your account, 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.