DivideBuy offers a way to spread the cost of your purchases with interest free credit. You can split the cost between 2 and 12 months depending on the application. The application process is quick and easy, and we give you an instant credit decision. There are no hidden fees or penalties for paying off an order early.
DivideBuy is the trading name of Rematch Credit Limited. We are registered and trading at First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH
You can pay with interest free credit wherever you see the DivideBuy button at checkout. Browse, shop, and spread the cost. Our DivideBuy shops can be found here.
You must be aged between 18 and 100 years old and be a permanent UK resident. You also need to have an accepted credit/debit card and a valid UK mobile telephone number.
You will need your email address and mobile telephone number as well as your billing address. It is important that this information is correct and up to date as we will use this to verify your identity and contact you should we need to. Your payment card must be registered to your current address to place an order. You will also be asked to provide your card details when you pay your first instalment and/or deposit so please have these available.
We cannot advise what your credit decision will be without you completing the online application. Most of our retail partners offer a pre-approval/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.
When you complete a pre-approval check this will show on your credit file. However, this will not affect your credit score and will not be visible to other lenders.
To perform a pre-approval check, we need a valid email address, name, date of birth, annual income and billing address.
Yes, DivideBuy uses a third-party credit reference agency, TransUnion, to perform a full credit check when completing an application. This is known as a hard search and will leave a footprint on your credit file and is visible to other lenders. This could impact your credit score.
As a fraud prevention measure, we do not offer this option. However, if you are due to move home and would like your goods delivering to your new address, please follow the steps below.
1. Please complete your order using your current address.
2.When your order has been confirmed please contact our Customer Service team via our live chat here.
3. Our team will contact the relevant retail partner and pause your delivery.
4. When you have access to your new address, please amend your address details with your bank and send proof of this (in the form of a bank statement) to email@example.com. Please include the following:
– Full name
– Date of birth
– Previous postcode
– The details of your new address including postcode
5. On receipt of this email we will confirm that your details have been updated and will inform the retailer.
6. The retailer will contact you separately to arrange delivery.
This means that your information may be partially linked to another DivideBuy account and cannot be duplicated for a new account/application. If you are aware of an alternative email address please attempt to reset your password and pin here or contact our team via live chat here.
We are unable to resend verification messages. We would recommend checking the mobile number you have entered and the signal on your device.
Please check the number you have entered is correct, your mobile phone has a signal and that your provider is not experiencing any outages. If these are not an issue, this phone number may have been used previously. If you have access to another number, please re-attempt using this. If not, please contact our team via live chat here.
You may have a partially completed order that is stopping you placing a second order.
You can log in to your DivideBuy account here to check. You will find any partially completed orders under the ‘Your Orders’ section. Please select the correct one and continue with the order.
If, you have no orders within this section please move to the ‘Search our Retailers’ section within your account. Search for your retail partner and follow the link to make a purchase. If this does not resolve the issue, please contact us on live chat here.
Subject to your credit check status, you may be required to pay a deposit alongside your first monthly instalment. This will reduce your monthly payments accordingly.
The deposit is paid alongside your first monthly instalment to secure your purchase. This will reduce your monthly payments accordingly.
Please contact the retail partner you have purchased from with any delivery queries. As the interest free credit provider, we are unable to advise on the delivery of good and services.
Please contact the retail partner you have purchased from with any delivery queries. As the interest free credit provider, we are unable to advise on the delivery of goods and services.
To change your delivery address, we will require proof of your new address. Proof can be in the form of a bank statement, council tax statement, or utility bill (dated within the last 3 months). We ask for these as a fraud prevention measure to ensure that items are being delivered to the correct individual. For this reason, we can only authorise delivery to the named individual on the credit agreement. Please forward a copy of one of the specified documents to firstname.lastname@example.org with your new address details. Please include the following:
Date of birth
The details of your new address including postcode.
On the receipt of the email, we will confirm that your details have been updated.
Please contact the retail partner you have purchased from. As the interest free credit provider, we are unable to advise on the delivery of goods and services. Please allow for the retailers specified delivery timeframe before contacting them.
Please contact the retail partner you have purchased from. As the interest free credit provider, we are unable to advise on stock, dispatch, or delivery.
We are unable to reinstate a cancelled order. All you need to do is place the order again. Don’t worry, if you are placing your new order within 90 days of the cancelled one and your details remain the same, we will not perform another credit check.
A guarantor may be required for your credit application, depending on your credit worthiness and other assessments. As a responsible lender, we regularly review our lending practices, so they may have changed since the last time you applied.
Your guarantor must be aged between 18 and 100 and be a permanent UK resident. The guarantor should also have a debit or credit card and a valid UK mobile telephone number.
Occasionally you may need to assign a guarantor for your credit application. This short video provides a step-by-step guide on how to do this. Click here to watch the video.
Once you have assigned a guarantor, they will receive an email. Your guarantor has 48 hours to complete the application and will be required to create a DivideBuy account using their email address to log in. Our video below provides a step-by-step guide for your guarantor on what they need to do. Click here to watch the video.
Please check your email as you have 48 hours to complete the guarantor application and will be required to create a DivideBuy account using your email address to log in. Our video below provides a step-by-step guide for you on what you need to do. Click here to watch the video.
It is a very quick process; your guarantor will receive an application shortly after you have entered their information. Your guarantor has 48 hours to complete their application. When complete, they will need to contact us via live chat here. We will verify their details and you will be able to complete your purchase.
Please ensure your guarantor has checked their email spam and junk folders first.
If the email has not been received, please ask the guarantor to contact us on live chat here. We will update the email address and assist them with their application if needed
Once your guarantor has been approved, please log in to your DivideBuy account here. Under the section ‘Your Orders’, you will have the option to complete your order by adding your payment card details and making your first payment and/or any deposit if required.
An online account will be created for you when you complete your first application with us. With your online account, you can see the status of your orders, and your account history, make payments and manage your personal information. Log in to your account here.
If you already have an account with us, you can log in here. If you haven’t signed up with DivideBuy yet, your account is created when you complete your first application with us.
It’s easy to reset your PIN here. The option to reset your PIN number is below the login box. Enter your email address and password and this will send a verification code to the mobile phone number associated with your account.
It’s easy to reset your password here. The option to reset your password and PIN number is below the login box. Select the relevant option and enter your email and your 4 digit PIN. This will send a verification code to the phone number associated with your account.
You can reset your PIN and password here. You will see ‘Forgotten Password and PIN’ below the login box. Enter your email address, and we will check to see if this is associated to an account, if so, we will send you a reset link.
If you do not have a live order, please log in to your customer account here. Under section ‘Your Details’, you will have the option to edit your address and save the details for future orders.
If you have a live order, please email our team at email@example.com with your new address details. Please include the following:
Date of birth
The details of your new address including postcode.
If you have paid less than 2 instalments, please have proof of your new address available. We accept bank statements, council tax statements or utility bills (dated within the last 3 months).
You can log in to your account here . Select ‘Your Account, then under ‘View Credit Agreement’ click ‘View’.
We use a Continuous Payment Authority (CPA). Please refer to FAQ – How are payments made? for further information.
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.
You can log in to your account here. Either choose the option ‘Make a Payment’ or alternatively, under the section ‘Your Account’ you can select ‘Pay’ and you will then have the option to pay individual instalments, make one-off payments or clear your balance.
Payments are collected via a Continuous Payment Authority (CPA). A continuous payment authority (CPA) is a recurring payment that we set up using your debit or credit 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.
CPA uses your long card number, expiry date and three-digit CV2 to process payments. If you change your card, this information will need to be updated in your account. To do this please see FAQ – I’ve received a new payment card; how do I make a payment with this?
You can log in to your account here. Under the section ‘Your Payments’, please select ‘Add a new card’ and enter your new card details as required. Please look for the ‘Add card to existing order’ tick box if you need to assign this card as your default payment option.
Please ensure your address is also up to date. When you have updated your payment card details, you can then pay individual instalments, make one-off payments, or clear your balance.
Please contact our team on live chat here and we will update your account. On receipt of your new card, you can log in to your account and update your payment details.
We accept the following cards: Visa, Visa Debit, Mastercard and Maestro cards. Unfortunately, we do not currently accept American Express.
Prior to taking your first instalment and/or deposit, we authorise a 1p transaction to verify that the debit/credit card is registered to you and the address you have provided. This transaction is returned within a few days. If we are not able to successfully complete the 1p transaction, we cannot complete your credit check and therefore your order.
Please contact the retail partner you made your purchase with to find out more about their returns policy.
The retail partner you made your purchase with can provide you with the details regarding the return address of your purchase.
We require confirmation of your refund directly from the retail partner you ordered with. Once this has been received, our accounts team will process your refund and notify you via email when it’s completed. This can take between 10 and 14 working days to process. Upon receipt of the notification email, it usually takes 3-5 working days to reach your bank account (depending on who you bank with). If we have not received confirmation of your refund, you will need to contact the retail partner directly advising this.
We are sorry you want to cancel your order. The first step is to contact the retail partner directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retail partners returns process. The retailer will in turn contact us to confirm your order has been returned, and we can issue your refund and cancel your credit agreement.
If you have contacted the retail partner directly to cancel your order and have not received confirmation of your refund within 14 working days, please contact us on live chat here.
We do not collect any sensitive personal information about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, or political opinions).
Further contact information can be found here.
Our live chat team are available 7 days a week at the following times:
Monday – Friday 8.00am to 8.00pm
Saturday 8.00am to 4.30pm
Sunday 9.00am until 4.30pm.
Please contact us on live chat here.
We understand that circumstances change, and that life can be unpredictable. If you’re worried about making a payment or if you need some extra flexibility, please contact us on live chat here.
You can find more information on our complaints handling procedure here.