your guide to interest free finance

affordable payments

Credit Web page

Why use DivideBuy?

Interest free instalments

Interest free instalments

Check eligibility, no effect on credit score

Check eligibility, no effect on credit score

Repayment automatic

Repayment automatic

Quick and easy

Quick and easy

Spread the Cost, Interest Free

Add items to your basket

Add items to your basket

Go to checkout and select DivideBuy

Go to checkout and select DivideBuy

Provide some personal details. If you are approved get instant credit decision

Provide some personal details. If you are approved get instant credit decision

Pay first instalment

Pay first instalment

Your goods are on their way

Your goods are on their way

FAQs

Are there limits on how much I can spend?

DivideBuy interest free credit is available on products/services from £50 to £6000. Credit is available from 2 to 12 months. Credit
offered is set by the retailer.

Who can apply for DivideBuy interest free credit?

  • Applicants must be aged between 18 and 75
  • Be a permanent UK resident
  • Have a valid debit or credit card
  • Have a valid UK mobile number
  • Have a valid email address

Will a credit check be performed?

Yes. A credit check is performed to assess your eligibility and affordability. DivideBuy also has a quick check service so you can
assess your eligibility for DivideBuy credit that will not affect your credit file.

How do I make my monthly payments?

Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and threedigit CV2. Payments will be collected automatically on the date your instalment is due.

Can I request delivery to an address other than my home address?

To guard against fraudulent applications, we are only able to deliver goods to your home address.

What if I would like to cancel/ return my order?

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.

My application was declined. Now what?

We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your
application was denied. DivideBuy is not permitted to share application information with us.

Who can I contact if I need help?

For any questions related to DivideBuy interest free credit please contact DivideBuy by visiting www.dividebuy.co.uk. For a full list of FAQs please click here.

Are there any fees or charges?

No. There are no APR or hidden charges. We do reserve the right to add late payment fees to your account in the event of you missing payments. This is all explained in your credit agreement before you electronically sign at the checkout process.

How can I manage my DivideBuy account?

To manage your account and make payments, you can log in accounts.dividebuy.co.uk

What if I need to change my delivery address from my billing address?

DivideBuy will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply. To have goods delivered to another address, once you have placed your order and paid a first instalment, you need to contact DivideBuy directly who will then notify us of the
changes.

How can I contact DivideBuy?

Email: hello@dividebuy.co.uk
or via the DivideBuy live chat facility at dividebuy.co.uk

Interest free credit agreements provided by Zopa Bank Limited trading as DivideBuy 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 2024. All rights reserved.

interest free credit 0% APR

give us a call

At Bakare we make it easy for people to benefit from the products we provide. Give us a call on 01752 512222 to discuss your requirements.

Provide quotation

After you’ve decided which products will best meet your needs, we will provide a written quotation for the products you want to finance.

Apply for finance

Once you are happy with the products you want to finance, we’ll send you an 0% APR application form.

After you've been accepted

Leave the rest to us… If accepted we’ll be in touch to finalise your order, including providing a delivery time-scale. If you have any further questions with regards to the 0% APR interest free finance we offer, please give us a call on 01752 512222 and we’ll be happy to answer any further questions you may have.

Are you entitled to VAT relief?

If you’re disabled or have a long-term medical condition; or a charity is purchasing the goods, you will not be charged VAT on zero-rated products such as adjustable beds & medical mattresses. Also, you will not be charged VAT on the installation and any extra work needed as part of this; repairs or maintenance; spare parts or accessories.

Simply complete the adjacent form with your name and medical condition and VAT will be removed from your order.

In proceeding you understand that, by completing this form and processing this order, you are digitally signing to agree that the details you have provided above qualify for relief from value added tax. If you are in any doubt as to whether you are eligible for VAT relief, click here to read the full advice and guidance on the Gov.uk website https://www.gov.uk/financial-help-disabled/vat-relief.

Tax exemption

Claiming as a charity? Please call us on