your guide to interest free finance
affordable payments
Why use DivideBuy?
Interest free instalments
Check eligibility, no effect on credit score
Repayment automatic
Quick and easy
Spread the Cost, Interest Free
Add items to your basket
Go to checkout and select DivideBuy
Provide some personal details. If you are approved get instant credit decision
Pay first instalment
Your goods are on their way
FAQs
Are there limits on how much I can spend?
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.
Who can apply for DivideBuy interest free credit?
- Applicants must be aged between 18 and 75
- Be a permanent UK resident
- Have a valid debit or credit card
- Have a valid UK mobile number
- Have a valid email address
Will a credit check be performed?
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.
How do I make my monthly payments?
Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and threedigit CV2. Payments will be collected automatically on the date your instalment is due.
Can I request delivery to an address other than my home address?
To guard against fraudulent applications, we are only able to deliver goods to your home address.
What if I would like to cancel/ return my order?
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.
My application was declined. Now what?
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.
Who can I contact if I need help?
For any questions related to DivideBuy interest free credit please contact DivideBuy by visiting www.dividebuy.co.uk. For a full list of FAQs please click here.
Are there any fees or charges?
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.
How can I manage my DivideBuy account?
To manage your account and make payments, you can log in accounts.dividebuy.co.uk
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 us of the
changes.
How can I contact DivideBuy?
Email: hello@dividebuy.co.uk
or via the
DivideBuy live chat facility at dividebuy.co.uk
Interest free credit agreements provided by Zopa Bank Limited trading as DivideBuy are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service.
Zopa Bank Limited trading as DivideBuy is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542).
Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. VAT Number 281765280. DivideBuy's trading address is First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH.
© Zopa Bank Limited 2024. All rights reserved.
interest free credit 0% APR
give us a call
At Bakare we make it easy for people to benefit from the products we provide. Give us a call on 01752 512222 to discuss your requirements.
Provide quotation
After you’ve decided which products will best meet your needs, we will provide a written quotation for the products you want to finance.
Apply for finance
Once you are happy with the products you want to finance, we’ll send you an 0% APR application form.
After you've been accepted
Leave the rest to us… If accepted we’ll be in touch to finalise your order, including providing a delivery time-scale. If you have any further questions with regards to the 0% APR interest free finance we offer, please give us a call on 01752 512222 and we’ll be happy to answer any further questions you may have.