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Cindy Ferrara

Sales & Finance Expert
Cindy began her career in financial services at CSFB in London as a global Convertible Bond Salesperson in 1990. From there she was recruited to Head up Convertible Sales at Bankers Trust, where she built up an expertise in the Asian markets.

All About Cindy Ferrara...

Cindy began her career in financial services at CSFB in London as a global Convertible Bond Salesperson in 1990. From there she was recruited to Head up Convertible Sales at Bankers Trust, where she built up an expertise in the Asian markets. She joined Salomon Brothers in 1995 and headed up the Swiss & Benelux desks, where she got wide recognition selling bespoke convertibles designed specifically for her clients to ensure low credit risk. She went on to join the Citigroup Derivatives Desk as a Managing Director in charge of Hedge Fund Sales for Equity Derivatives. In these roles Cindy received universal praise from her clients, and represented Citigroup across many high profile platforms, including winning the prestigious Opportunity Now Award.

In recent years,  Cindy has been active as a private equity entrepreneur and business coach, owning and managing an oil & gas exploration company, co-owning one of the oldest independent estate agencies in Prime Central London, and regularly consulting and coaching both executives and entrepreneurs in the fields of sales, negotiation, communication, development and leadership.


  • Brunel University MA, Creative Writing
  • St Antony’s College, Oxford University (M Phil, Politics)
  • University of Calgary BA, Politics
  • Convertibles, options and other derivatives
  • Sales and negotiations
  • Leadership development

Training & consulting expertise:

  • Leadership
  • Sales
  • Negotiation
  • Development
  • Mindset
  • Communication

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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.


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.)