DivideBuy Credit

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 training.

The minimum order value for you to spread the cost with DivideBuy is £597.

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.

How can I contact DivideBuy?

Telephone: 0800 085 0885 

Email: customerservice@dividebuy.co.uk 

Or via their live chat facility which can be found at dividebuy.co.uk

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.

Instalment Plans are provided by DivideBuy (DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Credit subject to status and age. Terms & conditions apply. Dependent on your credit score, you may be asked to pay a deposit or assign a guarantor. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266.)

Reasons to use DivideBuy

No hidden fees and 0% interest APR

Spreading the cost of your order will not cost you a penny more than paying for it upfront.

96% approval rate

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

Quick application

Complete the 60 second application and receive an instant decision.

No paperwork required

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

Look out for the DivideBuy button

DivideBuy is an Interest-Free Credit provider. In partnership with our retailer, 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 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.

With your DivideBuy account you get access to these great features:

  • Exclusive offers from our Retail Partners
  • Quick checkout with hundreds of Retail Partners
  • View your credit agreement
  • View your instalment amounts and dates
  • Review your payment history

To access your account or to find out more about DivideBuy, visit dividebuy.co.uk.

Alternatively, call our Customer Service Team who are available on 0800 085 0885.

FAQ's

What are the requirements for credit?

  • 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

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. 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.

 

Instalment Plans are provided by DivideBuy (DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Credit subject to status and age. Terms & conditions apply. Dependent on your credit score, you may be asked to pay a deposit or assign a guarantor. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266.)