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, bringing 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.
To access your account or to find out more about DivideBuy, please visit us at www.dividebuy.co.uk. Alternatively, call our Customer Service Team who are available on 0800 085 0885.
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. The price you see is the price you pay. DivideBuy reserve the right to add late payment fees to your account in the event of you missing payments, but this is all explained in your credit agreement before you complete the checkout process.
Instalment Plans are provided by DivideBuy (DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Credit subject to status and age. You may be asked to assign a guarantor if you have a poor credit history. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266).
Free Delivery on all orders over £49.95 to standard UK Mainland addresses. Surcharges apply to deliveries made to the Scottish Highlands and Islands, Northern Ireland and other offshore/remote areas.
We use DPD for the delivery of most items and Hermes for smaller items.
If an item has a longer lead-time (e.g 10-14 working days) it means that this product is not a stock item and will be transferred from the supplier to complete your order.
Please note that all details regarding availability is based on information provided to us by our supplier and, as a result, is not live and subject to change - should the expected delivery time be different from that stated on the website we will contact you.
As we do not hold these items in stock the stated lead-time is only estimated and can arrive sooner or later. We will normally only contact you if your delivery is likely to take seven working days longer than the estimated lead-time.
All delivery times on our website are in working days and do not include bank holidays and weekends. Please also note that delivery times will start from the next working day following receipt of your order, so an order placed on a Friday would not be seen until the following Monday.
We accept returns on orders within 14 days of delivery providing that they are unused and in the original packaging. Due to the nature of the products that we sell no returns are permitted on items once they have been assembled or have had labels removed.
Please visit our Delivery & Returns pages for full terms and conditions.
If you have found a price cheaper than ours please fill in the form below and we will do our best to match the price (excludes Egg and Bugaboo Products)
* Click here to read our full price match terms and conditions