How easy is it to get finance?

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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 retail finance 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 and interest bearing 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 finance is easy. You’ll need to be over 18, 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? No worries – we’ll run a soft credit search. This will indicate your likelihood of being approved for finance, but won’t be recorded on your credit file.

 

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.

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