0% Finance

Want that new product, but don't have the cash to pay for it upfront? No Problem! Checkout using DivideBuy 0% Finance, get your product right away, and pay the balance over 3,6,9 or 12 months with 0% Interest

Why Us Finance?

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.

Quick Application


Complete the 60 second application and receive an instant decision.

96% approval rate


Our unique lending model allows us to offer Interest-Free Credit to more people.

No paperwork required


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

About DivideBuy &
how to apply...

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.

Requirements for Finance

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 proces


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.)

How to Apply?

Add to cart

Simply add your desired product to your cart and proceed to the checkout. You can also see a breakdown of the monthly repayments but hovering over the DivideBuy button

Select it in the checkout

Fill in your shipping details, and then in the payment section, simply click DivideBuy Interest Free Credit, and then select Complete Order. You will then be directed to the DivideBuy 0% Finance application page.

It only takes 60 seconds!

Then just select your preferred repayment length, and fill in the appropriate details. It only takes 60 seconds to apply and you get an immediate decision. Once approved, you can sit back and relax, and wait for your new product to arrive.