How Easy is it to get Finance?

Gone are the days when credit purchases were limited to high-ticket products like cars or white goods. It’s now possible to fund all kinds of purchases with credit, from mattresses to gadgets for the garden.

Buying with interest free credit is a convenient way for many of us to get the things we need while keeping to a budget. We work with hundreds of UK retailers to offer interest free credit on purchases for your home, garden and lifestyle.

If you want to purchase using credit, applying with DivideBuy is easier than you think. With the DivideBuy checkout, you can receive a decision in minutes and start spreading the cost of purchases.

 

What is the eligibility criteria for applying for credit?

 

Applying for interest free credit is easy, you’ll need to be aged between 18 and 75, a permanent resident in the UK and have a valid mobile number.

You’ll also need a valid debit or credit card to place your order. When you pay using DivideBuy payments are collected via a Continuous Payment Authority (CPA). This uses the long card number, expiry date and three-digit CV2 number on your debit card. Payments are collected automatically on the date your payment is due, using the card details provided.

You’ll complete a quick application process and we’ll run a credit search to check your information. We review your credit history, and we decide based on your ability to repay, rather than what’s happened in the past. No need to wait, an automated decision is made in seconds.

Not sure what your credit file looks like? Give us a call and we can perform a soft credit search. This will indicate your likelihood of being accepted for finance but won’t be recorded on your credit file.

 

What if I’ve got a low credit score?

 

We have an acceptance rate of above 90%, and even if your credit score is low you may still be able to open a DivideBuy account. Sometimes we ask for a guarantor based on the results of your credit check. We’ll contact them via email and send them a link to complete their details.

If the guarantor is approved pending verification, we’ll get in touch with them directly to complete the process. Or your guarantor can always call our customer service team directly.

If you have not been accepted for credit in the past due to a low credit score and your circumstances have changed, you can try again in the future.

 

What kind of things can I buy on credit?

 

The list is virtually endless when it comes to what you can buy on credit. DivideBuy works with a variety of retailers across an array of sectors. These include home furnishings, gym equipment, art, electricals and education, all available in our shopping directory.

Page last updated: 23 August 2021
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