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0% finance with Dividebuy

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.

Reasons to use Dividebuy

0% interest APR

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

96% approval rate

Our unique lending model allows us to offer Interest-Free Credit to more people.

Quick application

Quick application

Complete the 60 second application and receive an instant decision.

No paperwork required

No paperwork required

All documents are in digital format and signed using e-signature.

dividebuy

  • 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

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.


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.


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.


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.


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.


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