Reasons to use Dividebuy
Complete the checkout and receive a decision in less than 60 seconds
96% approval rate
If you don’t have a good credit history, we may still be able to offer you credit if you can provide a guarantor
No paperwork required
All documents are in digital format and signed using e-signature
No hidden fees & 0% APR
Spreading the cost of your order will not cost you a penny more than paying for it upfront
What is dividebuy?
DivideBuy is an interest-free credit provider in partnership with retailers bringing you 0% APR credit on selected products online.
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, and your application will take 60 seconds. Once approved, you electronically sign your agreement and the retailer will process your order.
With DivideBuy you get access to these great features:
- View your credit agreement
- View your instalment amounts and dates
- Change your card details
- Pay instalments in advance
- Review your payment history
- Change or update your contact details
HOW TO USE DIVIDEBUY
Once you have finished shopping, head to the basket page. Here, look out for the blue 'Spread the Cost' button which will take you to the DivideBuy website.
Complete the checkout process at the DivideBuy website. You will be asked here for your postcode, delivery option and how to spread the cost for your order. From there you can go on to complete your order using the button below.
What are the requirements for credit?
1. Be a permanent UK resident and have lived at your address for longer than one year
2. Have a debit or credit card
3. Have a valid UK mobile phone number
Will a credit check be performed?
Yes. DivideBuy uses Callcredit to perform its credit checks but they will not leave a footprint on your credit report i.e. other lenders will not be able to see that we have looked at your credit score.
Will I have to pay a deposit?
Yes - we will take your first instalment on completion of your order. You may have to pay an enhanced deposit based on a combination of your Callcredit credit score, the size of your order and the number of instalments you have selected.
How many instalments can I spread the cost over?
Depending on the total cost of your order, you may be able to spread the cost over 3, 6, 9 or 12 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 extra charges or fees to pay. You can do this by logging into your DivideBuy account on our website.
Are there any other charges or fees?
There is 0% APR interest and no hidden fees or setup 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.
Tell me more about DivideBuy
Instalment Plans are provided by DivideBuy (DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266.)