Reasons to use DivideBuy

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    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.

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    96% approval rate

    If you don’t have a good credit history, we may still be able to offer you credit if you can provide a guarantor.

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    Quick application

    Complete at checkout and receive a decision in less than 60 seconds.

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    No paperwork required

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

DivideBuy is an Interest-Free Credit provider in partnership with Tools4Trade, bringing 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 6 months depending on the value of your purchase and the retailer. Your application will take just 60 seconds and we will provide an immediate decision.

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:

Look out for the DivideBuy button

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

To access your account or to find out more about DivideBuy, please visit us at www.dividebuy.co.uk. Alternatively, call our Customer Service Team who are available on 0800 085 0885.

FAQs

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 mobile phone number

Will a credit check be performed?
Yes. DivideBuy uses a third-party credit reference agency to perform a “soft” credit check. This does not leave a footprint on your credit history and therefore does not affect your credit score.

Will I have to pay a deposit?
No, however we will take your first instalment on completion of your order. You may have to pay an enhanced deposit based on a combination of your Callcredit credit score, the size of your order and the number of instalments you have 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 6 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. The price you see is the price you pay. DivideBuy reserve the right to add late payment fees to your account in the event of you missing payments, but this is all explained in your credit agreement before you complete the checkout process.