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For shoppers

Shop with some of your favourite high-end and specialist

brands, and pay in a way that suits you.

Shop with some of your favourite high-end and 

specialist brands, and pay in a way to suit you.

sofa club otty reed cocoon

Join over 500,000 happy shoppers

Join over 500,000 happy shoppers

And what’s more…

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.

Pay in Monthly Instalments

Spread the cost of your order easily in monthly instalments between 3 to 60 months.

Fixed Amounts

Your monthly payments are fixed at the same amount for the term of your agreement.

Rapid Application

With an instant decision and a 60 second application, you can spread the cost of your order in a few simple steps.

Interest Free Options Available

Many of our merchants offer DivideBuy's interest free option at the checkout.

You’re in Control

You choose how long to spread the cost of your order over, for a plan to suit you

No Early Repayment Charges

The recurring card payments are collected monthly until your balance is paid, but you can make additional payments

Want to sell with us?

If you think interest free credit might be right for your business, then why not have a look at what we offer?

DivideBuy Blog

All the latest news and updates, straight from DivideBuy HQ.
12th September 2023
Put your feet up with these stylish reclining sofas and get to grips with hi-tech comfort – all available on finance with DivideBuy.
24th August 2023
The seasons are about to turn – but that’s no reason to kiss your garden goodbye. Here’s how to turn it into a perennial


FAQs & Helpful Links

More Support

Not found the answers you’re looking for? Visit our resource centre for more help.

Payments are collected via a Continuous Payment Authority (CPA). A continuous payment authority (CPA) is a recurring payment that we set up using your payment card details. As part of this process, we ask your permission (‘standing authority’) to take payments as and when they’re due. We collect payments automatically on the date your instalment is due.

We cannot advise what your credit decision will be without you completing the online application. Most of our retail partners offer an eligibility checker/soft credit search option before checkout, which will give you a good indication of what the credit decision may be before fully committing to a purchase and without impacting your credit score. Look out for the pre-approval option on the retailers website.

We may add fees and interest to your account if you miss a payment. Please see your credit agreement for further information. If you have any concerns about making a payment, please contact us on live chat here. Any missed payment may affect your credit file so please speak to us if you have any concerns.

The value and quantity of the orders you can place is dependent on several factors. As a responsible lender we aim to ensure that you get the right credit decision based on your circumstances. When you apply for interest free credit, we perform different searches to check your financial status.
There is no APR or hidden charges. We do reserve the right to add late payment fees and interest to your account in the event of missed payments. This is explained in your credit agreement before you electronically sign at checkout.
Yes. Your first instalment is always required to place an order. Subject to status, you may be required to pay a deposit alongside your first monthly instalment. This will reduce your monthly payments accordingly.

Win a luxurious Swyft armchair worth up to £895!

Ends 31st of December 2023

Our merchant partner Swyft is giving one lucky winner a Model 01 or Model 02 armchair worth up to £895. These bestselling armchairs sit on a solid wood plinth and come in a variety of fabrics and colours.

Throw your name in the hat to win and sign up now! 

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