As the market leaders in interest free credit, we’ve developed a smooth approval process. We approve in several ways, either a straight approval, accept subject to deposit or we request a guarantor. By offering a range of approval solutions we help to increase your basket approvals.
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.
Our application model provides 3 ways for your customer to pay. We have full control over our lending criteria, repayment options and acceptance 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. Your customers can buy what they want when they want it – resulting in increased sales conversions.
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.
The DivideBuy credit application model has completely disrupted the traditional credit market. Applicants complete a 30-second credit application which is followed by instant approval. 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.
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.
Our interest free credit solutions give you more ‘buy now’ moments so you can focus on selling more goods and services. The moment your customer ‘adds to basket’ your conversion rates will soar.
We aim to make it as easy as possible for you to offer Interest Free Credit 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 Interest Free Credit delivers.