Divide BuyUpdated 13 days ago
We offer DivideBuy as a flexible payment option at checkout, allowing you to spread the cost of your purchase into monthly instalments. Interest-free options are available, with longer terms also available where applicable.
How DivideBuy works
DivideBuy is a credit product that lets you spread the cost of your purchase into equal monthly instalments. Simply select DivideBuy at checkout, complete a short application, and if approved your order is placed automatically. You will not need to leave our website.
Monthly payments are collected automatically via Continuous Payment Authority (CPA) from your debit card on the date your instalment is due.
Please note: DivideBuy is a credit product provided by Zopa Bank. A credit check will be performed as part of your application. Your application is subject to approval and eligibility criteria.
Credit limits and terms
The following terms are available at checkout, subject to eligibility and approval:
| Term | Minimum spend | Maximum spend |
|---|---|---|
| 12 months (0.0% APR) | £600 | £16,000 |
| 18 months (0.0% APR) | £800 | £25,000 |
| 24 months (0.0% APR) | £800 | £25,000 |
| 36 months (9.9% APR) | £1,000 | £35,000 |
| 48 months (9.9% APR) | £1,500 | £50,000 |
| 60 months (9.9% APR) | £2,000 | £50,000 |
Important: Delivery can only be made to your billing address. DivideBuy must approve any requests to deliver to a different address — see below for details.
Frequently asked questions
Eligibility and applying
Who can apply for DivideBuy credit?
To be eligible you must be aged between 18 and 100, be a permanent UK resident, hold a valid debit or credit card, and have a valid UK mobile number and email address.
Will a credit check be performed?
Yes. A credit check is performed to assess your eligibility as part of your application. DivideBuy also offers a quick eligibility check on our website that will not affect your credit file, so you can see if you are likely to be approved before applying.
My application was declined. What can I do?
We’re sorry your application was not approved. You have the right to appeal this decision, although there is no guarantee the outcome will change. To request an appeal, contact DivideBuy at [email protected]. They may ask you to provide additional information to support your appeal.
You may also want to obtain a copy of your credit file before making any further applications. The credit reference agency used for your application is:
TransUnion International Limited, One Park Lane, Leeds, West Yorkshire, LS3 1EP — transunion.co.uk
Payments and fees
How are monthly payments collected?
Payments are collected automatically via Continuous Payment Authority (CPA) from your debit card on the date your instalment is due. This method uses your long card number, expiry date, and three-digit CV2. You do not need to take any action each month.
Are there any fees or charges?
There are no hidden charges. For interest-free plans, you pay nothing beyond the product price.
Where an interest-bearing credit product is selected, a fixed interest rate is applied. Full details are provided before you sign electronically at checkout. Representative example: A loan of £3,000.00 over 24 months at a representative 9.9% APR will cost £137.18 per month. The total cost after 24 months is £3,280.34, which includes £280.34 interest at 9.9% fixed and a £0 fee.
How do I manage my DivideBuy account?
You can view your account, payment schedule, and make payments at any time by logging in to the DivideBuy customer portal at accounts.dividebuy.co.uk.
Delivery and returns
Can I have my order delivered to a different address?
As a general rule, orders must be delivered to your billing address as a fraud prevention measure. However, delivery to a different address may be possible with DivideBuy’s approval.
To request this, once you have placed your order and paid your first instalment, contact DivideBuy directly. They will review the request and notify us if approved. We are unable to ship to a different address until we have received confirmation from DivideBuy.
What if I want to cancel or return my order?
Please contact us in the first instance to cancel your order or arrange a return in line with our Returns & Refunds Policy. Once we have confirmed your return or cancellation, we will notify DivideBuy who will issue your refund and cancel your credit agreement. Please do not contact DivideBuy directly to cancel — the process must be initiated by us.
Further help
Who do I contact about my DivideBuy agreement?
For any questions related to your DivideBuy credit agreement, payments, or account, please contact DivideBuy directly:
- Visit dividebuy.co.uk for support
- View their full FAQ at dividebuy.co.uk/faqs
- Email [email protected]
For anything related to your order with us — delivery, damage, or returns — please contact our team using the details below.
DivideBuy credit is provided by Zopa Bank Limited (formerly Dividebuy Limited). Credit is subject to status and affordability. UK residents only, aged 18–100. For interest-free plans, no interest is charged. For interest-bearing plans, interest rates and full representative examples are provided at checkout before you sign. DivideBuy’s privacy policy is available at dividebuy.co.uk/privacy-policy.