Wondering about whether to buy,
using interest free credit?

Interest free payment could be the smarter way to pay.

We offer a variety of repayment plans to suit your budget.
From 2 to 12 months - it’s flexible and always interest free.

Why use DivideBuy?

  • Interest free installments

    Interest free

  • Credit Score

    Check eligibility,
    no effect on credit score

  • Repayment


  • Quick and easy

    Quick and

Spread the cost, Interest Free
  • Add item to your basket

    Add items to your basket

  • Go to checkout and select DivideBuy

    Go to checkout
    and select DivideBuy

  • Provide some personal details

    Provide some personal details. If you are approved get instant credit decision

  • Pay first installment

    Pay first

  • Delivery

    Your goods are
    on their way


DivideBuy interest free credit is available on products/services from £50 to £6000. Credit is available from 2 to 12 months. Credit offered is set by the retailer.

  • 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.

Yes. A credit check is performed to assess your eligibility and affordability. DivideBuy also has a quick check service so you can assess your eligibility for DivideBuy credit that will not affect your credit file.

Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and three digit CV2. Payments will be collected automatically on the date your instalment is due.

To guard against fraudulent applications, we are only able to deliver goods to your home address.

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.

We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your application was denied. DivideBuy is not permitted to share application information with us.

For any questions related to DivideBuy interest free credit please contact DivideBuy by visiting dividebuy.co.uk . For a full list of FAQs please click here.

No. There are no APR or hidden charges. We do 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 electronically sign at the checkout process.

To make manage your account, make payments you can log in https://accounts.dividebuy.co.uk/

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 us of the changes.

How can I contact DivideBuy?

Zopa Embedded Finance Limited t/a DivideBuy credit agreements are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Credit is available to permanent UK residents aged 18+, subject to status, any missed payments may affect your ability to obtain credit from DivideBuy and other lenders. Please spend responsibly. Zopa Embedded Finance Limited registered at First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. Company number 14602085.