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Benefits of interest free credit

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.

Spread the cost by paying in monthly instalments

Spread the cost of your order easily in monthly instalments between 2 and 12 months.

Fixed monthly repayments

Your monthly payments are fixed at the same amount for the term of your agreement (up to 12 months).

Choose a repayment period to suit your needs

Choose a repayment period to suit your finances and order size.

Quick & easy application

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

There’s no APR to pay

Every order is entirely interest free, no matter the basket value or term length.

No early repayment charges

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

Our commitment to total transparency means there are no hidden fees or charges and our terms and conditions are crystal clear.

Find Out More

Customer Blogs

How DivideBuy encourages responsible lending
At DivideBuy we pride ourselves on being responsible lenders, making sure that those using our service have all the information they need before making a purchase using interest free credit. Whilst our platform allows our customers to split the cost of payments, making it possible to buy the items they want while spreading the cost […]
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Celebrate the New Year with new possibilities
Make 2022 the year you stick to your resolutions. There are so many ideas to choose from, whether it’s learning a language or learning an instrument, staying healthy at home or having fun outdoors, our retailers are sure to have the perfect solution for your New Year’s resolutions. And with our interest free credit facility, […]
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Last minute Christmas presents
Shopping for Christmas presents can almost feel like having another job over the festive period; trying to work out what presents everyone will love, how generous to be, finding the right place to get the gifts, and not least, fitting in the time to buy them! We can all be guilty of spending hours online […]
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Get ready for Christmas with 0% credit
Have you heard the songs in the shops yet? Seen the fairy lights twinkling in the windows or the wide-eyed children glued to the toy adverts on TV? Those unmistakable signs that Christmas is once more on the way. Christmas is a time for fun, excitement, and guilt-free food indulgence. A time for making memories […]
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Retailer Articles

Five ways your checkout PoS credit lender could be doing more for your online store
If you’re already offering customers an interest free buy now, pay later option at the checkout then you’re one of a growing number of retailers doing so. And it’s no wonder, a recent survey of UK consumers found that seven out of 10 shoppers preferred Buy Now, Pay Later (BNPL) options to using a credit […]
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DivideBuy’s top tips of the year to make your eCommerce site a success in 2022
Retailers across the UK are looking to end 2021 strongly after another challenging year for the economy, and now is the time when many will start to reflect and look ahead to consider what they could do differently in the New Year. Few would have predicted the twists and turns of the past two years. […]
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How to increase eCommerce conversion rates
Conversion rate will always be a hot topic in eCommerce, it’s something every online retailer is striving to improve. They’re often used as a KPI to measure the success of online shopping sites and can be used to benchmark against competitors. Retail conversion rates vary by region, industry and customer base with the average eCommerce […]
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Six reasons to offer your customers an interest free credit solution at checkout
The UK eCommerce sector is estimated to be worth around £185 billion in 2021, this was buoyed by huge growth since the start of the COVID-19 pandemic, when many brick and mortar stores were closed during lockdowns and online shopping was the only option for many consumers. In such a competitive sector, giving customers multiple […]
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