If you’ve taken out an interest bearing finance plan, you will only be charged interest as per your credit agreement with us. If you’ve taken out an interest free finance plan, there is no APR. We will not charge you any hidden or late payment fees, or additional interest to your account in the event of missed payments. This is explained in your credit agreement before you electronically sign at checkout.
DivideBuy
For Shoppers
For Business
My Account
Follow Us
Interest free credit agreements provided by Zopa Bank Limited trading as DivideBuy that are 12 months or less in duration are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Zopa Bank Limited trading as DivideBuy is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. VAT Number 281765280. DivideBuy’s trading address is First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. © Zopa Bank Limited 2025. All rights reserved.