Creating ‘complete order’ moments

We're transforming the Point-of-Sale Finance industry through best-in-class innovation and technology. Our interest free and interest bearing retail finance solutions are delivering market-leading approval rates for UK merchants.

We’ve combined machine learning with our algorithms to allow us to instantly assess applications, creditworthiness, and fraud.

Our interest free credit platform continually analyses the chosen payment preferences, customer repayment histories and sector-specific defaults in real-time.

It’s hard to say no

Our application model provides multiple ways for your customer to pay. We have full control over our lending criteria, repayment options and approval rates. We’ve developed our unique DivideBuy algorithm, which takes numerous factors into account when determining a decision.

Unlike the traditional lending model, DivideBuy offers an instant decision with a sub-two-minute credit journey. Your customers can buy what they want when they want it – resulting in increased sales conversions.

Customer Approved
The Customer is instantly approved and their order confirmed.

As a retailer, you’ll deal with us directly through every step of the process. This means that not only are the acceptance rates higher than other providers, but it also means that you and your customers know who you’ll be dealing with.

Customer satisfaction come from quick credit decisions

The DivideBuy credit application model has completely disrupted the traditional credit market. Our algorithm means we’re able to assess each credit application and provide credit approval that fits their circumstances. Your customers will always receive an instant decision - meaning they can buy what they want when they want it, resulting in increased sales conversions.

60-Second Application
60-Second Application
60-Second Application
Instant Decision
Instant Decision
Instant Decision
Increased Sales Conversions
Increased Sales Conversions
A helping hand

We have built and integrated a range of measures including ID verification and other checks for efficient and effective fraud prevention. This helps to ensure that we do not process orders that might be from imposters.

Let's get started.

Please note, a minimum turnover of £2.5M and minimum trading period of 24 months is required to offer DivideBuy finance solutions.

We aim to make it as easy as possible for you to offer interest free and interest bearing finance to your customers – in order to benefit from increased sales. With the knowledge of hundreds of Retail Partners, thousands of customers and tens of thousands of orders, DivideBuy are the experts and will ensure you optimise the opportunities that interest free credit and interest bearing credit delivers.

Account Manager

Customer Success Manager

On-going Support


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