DivideBuy provides a buy now pay later option to spread the costs of your purchases for up to 12 months with no interest.
While many of the buy now pay later apps offer short-term plans like enabling users to pay in three instalments, you can utilize DivideBuy’s interest-free financing for up to 12 months.
With several online shops accepting it, you will be able to purchase essential products and pay through convenient monthly instalments.
DivideBuy
Max. Amount
£12,500*
Credit Check
Soft*
Type
BNPL
Tip: With DivideBuy, you can spread the cost of your purchases with no interest within 12 months. While you can check your eligibility without affecting your credit score, the final application can have an impact as a hard inquiry will be performed. However, it can be improved through regular payments as it reports activities to major credit bureaus.
The platform has one of the best long-term financing options when compared to popular options like PayPal Pay in 3, Hokodo, and others.
It is a reputable financing service provider and as a by-product of Zopa, there is no doubt it is worth using considering its features and how popular its parent company is in the online banking industry.
It is known for its long-term financing which you can use to buy products at several retailers without paying extra interest for up to 12 months.
However, Dividebuy also grants interest-bearing credit suitable for high-ticket purchases and with it, you can enjoy a payment plan of up to 60 months at a representative rate of 9.9% per month.
While there is a spending limit of £6,000 for its 2 to 12-month plan, you can access up to £12,500 if the longer term of up to 60 months is presented to you at checkout.
It is worth knowing that DivideBuy will perform a hard inquiry when you apply for its financing but before that, most of its partner merchants allow you to check your eligibility without a real impact on your credit score.
Based on the inquiry when you submit your application, a monthly shadow limit is determined as a base regarding what you can pay per month and you will then be offered loan amount and plans.
Note that not all customers will be approved for DivideBuy as this is based on the result of its check and if you do not meet its requirements, your application may be declined.
The platform operates mainly as a payment gateway option hence, you will need to visit one of the online shops that accept DivideBuy before you can utilize its plans.
There are no late payment fees when using DivideBuy but you will want to avoid delaying your due instalments because it reports activities to the major bureaus which can hurt your credit score.
Popular Online Shops that Accept DivideBuy
Below is a list of top retailers where you can use DivideBuy for payment plan purchases:
Furniture Shops and Sofa Retailers that Accept DivideBuy
Cosatto
This is a popular baby product brand in the designs and sales of strollers, highchairs, car seats, and accessories.
When shopping at this retailer, the required minimum cart value to utilize DivideBuy is £300.
However, there are alternatives like Clearpay, Klarna, and PayPal that can be used to handle lower-value purchases.
Arthauss Furniture
Use coupon code SAVE154U to enjoy £15 discount on orders of £250 and above.
CuddleCo
Another babies’ focused brand that makes furniture items like strollers, mattresses, car seats, and similar products that provide convenience for families on the go.
Jaspers of Hinckley
This retailer specializes in graded designer and top-branded furniture. When placing an order, you will need to contact its support team to use DivideBuy (details will be provided at checkout).
Divine Outdoors
It retails outdoor furniture and accessories. From patio sets to fire pits, enhancing outdoor spaces for relaxation and entertainment.
Dusk
A popular home decor brand specializing in furniture and accessories. You can get items such as sofa sets, beds, mattresses, and related products when shopping on the portal.
Hutch Sofa
A modern furniture brand that allows you to design your preferred sofa through a range of custom options on its portal.
Hypnia
It specializes in premium memory foam mattresses, toppers, pillows, duvets, and other sleep accessories.
JSB Furniture
JSB is a varied furniture retailer with products including mattresses, beds, headboards, sofas, and others from brands like Lazyboy, Mammoth, Salus, and others.
KC Sofas
This company operates online and through its physical showrooms. Despite being based in the North of England, it offers delivery nationwide, including Wales.
Kingswood At Home
It retails items that complement your furniture collections and room settings such as shutters, blinds, wardrobes, and other storage solutions.
LISF
Another good retailer with different furniture products. While its inventory focuses more on dining items like tables, chairs, bar stools, and coffee tables, you can also get sofas and mattresses on the platform.
Simply Baby
This is another platform focusing on the sales of baby-themed products like prams, pushchairs, car seats, and other essential housing items from brands that include Jole, Cosatto, Cybex, Venicci, and others.
Snug
This brand makes furniture to fit small spaces, including convertible sofas in a box. You can also finance your purchases when shopping at any of its physical stores.
Sofa Club
With different models like Chelsea, Savoy, Waterloo, Bloomsbury, Bishop, Marylebone, and more in its unique design collection, this is one of the top furniture shops that accept DivideBuy. You can order online or visit any of its offline outlets to get your preferred sofas.
Swyft
This retailer also delivers sofas in a box. There are different sizes, including single seater, double, king, and super king. You can also get accessories such as ottomans, storage furniture, home decor, and more on the portal.
The Online Sofa Shop
It offers delivery within Mainland UK. While most of its products are variations of sofas, you can also get recliners, and garden furniture on the shopping page.
The Top Drawer
It deals in fragrances, sofas, and home decor with its collection having diffusers, scent candles, bar stools, beds, rugs, and other related items.
Tulip Interiors
Tulip is another nice destination for several home design goods, including furniture for living, dining, and bedroom which are complemented by its wall decors and outdoor furniture products.
The Designer Rooms
You can shop a range of sofas, mattresses, and other furniture products using this retailer. Its other item collection includes diffusers, rugs, and lighting.
Cocoon
It makes sofa beds with its Pocket Sleep technology offering a deeper mattress for a much improved night’s rest while the eMotion allows for easy conversion.
Carpet Monster
It provides different kinds of carpets that fit spaces in the home like staircase, living room and bedroom floors, and other areas. When shopping on its portal or at any of its physical stores, you can also purchase furniture products like sofas and beds.
Mattress Shops that Accept DivideBuy
Dreamcloud
A popular mattress brand with one of the best warranties in the industry (up to 10 years of free returns and exchange). Its items include different sizes with options to get them in bundles of mattresses, beds, and accessories at discounted prices.
Emma Sleep
Another well-known brand offering up to 10 years of warranty on its range of mattresses. Some of its popular models include the Elite, Luxe Cooling, and Luxe Premium. Emma also makes sofa beds, pillows, duvets, and other sleep accessories.
Panda London
The brand is well-known for its line of bamboo mattresses, pillows, duvets, toppers, and accompanying items like bath rugs, towels, and others.
Nectar
A popular option for many users when it comes to shopping for mattresses and related products. Its other range of items includes adjustable bed frames, protectors, sheets, pillows, and more.
Luff Sleep
Another brand whose products are made from bamboo. It houses a good collection of mattresses, pillows, and other bamboo silk beddings.
Simba Sleep
Another well-known brand in the mattress industry, thanks to its range of amazing products that include models like Deluxe, Comfort, Earth, and others with variations focusing on children. You can also get refurbished mattresses on the website alongside other accessories.
The Oak Bed Store
This company specializes in crafting oak bed frames and accompanying mattresses that provide durability and comfort for a restful night’s sleep. It also makes tables, standing mirrors, wardrobes, blanket boxes, and other accessories.
Imperial Bamboo
Just as its name signifies, the brand makes bamboo-powered mattresses and other sleep accessories like pillows and toppers among others. You can also get bed linens and towels on its portal.
Electronics and Appliance shops that Accept DivideBuy
Vonhaus
It offers a range of home and garden tools and appliances. From furniture, vacuum cleaners, air conditioning units, and stove heaters to power tools
To use DivideBuy for payment plan purchases on the Vonhause website, you will need to spend a minimum of £250.
The platform also accepts PayPal Payin 3 and Klarna which you can opt for to finance your orders.
Froothie
It retails and distributes a range of appliances by Optimum. This includes blenders and juicers suitable for personal and commercial use. It also makes appliances under its brand name, like the Frootie Evolve Juicer which has a motor speed of 33 rpm.
Outlet X
This Shrewsbury-based retailer accepts DivideBuy as one of its financing providers for the purchase of items such as mirrors, cooking griddles, firepits, and smokeless BBG grills among others.
Hot Rox
It is an audio equipment retailer offering a range of products like speakers, tuners, and other accessories. You can also get different kinds of guitars when shopping on the platform.
Humanware
It provides assistive technology solutions designed to enhance the lives of people with visual or hearing impairments. Its products include braille displays, electronic magnifiers, screen readers, and accessible software, empowering individuals to access information.
Igneus
This company makes outdoor cooking equipment, particularly wood-fired pizza ovens. You can also get accessories such as pizza reels, cookware, rakes, brushes, and more from its inventory.
VisionAid
The platform retails vision-focused devices from well-known brands like Humanware, Sightcare, Anyview, and others. It also provides software and training resources to assist users in need.
Washloo
It offers innovative bidet seats and smart toilet systems designed to enhance personal hygiene and reduce toilet paper usage.
Qettle
This brand specializes in innovative taps and water filtration systems that provide instant access to steaming hot water for beverages, cooking, and cleaning, eliminating the need for kettles.
Beauty Shops that Accept DivideBuy
Barber DTS
It provides a range of tattoo and piercing equipment, including needles, inks, machines, and hygiene supplies.
Barber DTS empowers artists to have access to reliable tools to create stunning and safe body art.
In addition to being one of the beauty shops that accept DivideBuy, you can also enjoy payment plan purchases when you checkout with Klarna on the platform.
Glitterbels
The brand is into the production of nail care products, particularly glitter acrylic powders, gel polishes, and cuticle oils.
The Tattoo Shop
Another brand in the supplies of tattoo equipment, including items like cartridges, needles, and inks among others. You can also get studio furniture when shopping at this retailer.
Christies Direct
It is a supplier of professional grooming products and equipment for pet care professionals and enthusiasts.
The platform’s inventory includes a range of products like clippers, shampoos, and accessories catering to the needs of groomers, veterinarians, and pet owners.
You can also get other salon set-up items like dog grooming tables, baths, dryers, and more when shopping on the portal.
Other alternative payment plan options on the platform include Klarna and PayPal.
Education Platforms that Accept DivideBuy
Reed Courses
This is an online platform offering a wide range of courses across various industries, including business, IT, healthcare, and more.
Direct Training
It specializes in offering training programs for forklift operation and CPCS (Construction Plant Competence Scheme) certification.
e-Careers
This company also offers a diverse range of programs across numerous industries and disciplines through its online platform. You can access resources towards AAT, AWS, CIMA, BCS, and CIPD certifications among others.
Fitness & Sports Merchants that Accept DivideBuy
MuscleSquad
A popular fitness brand providing equipment and training plans to individuals who want to build a perfect shape. Its products include resistance bands, exercise balls, dumbbells, and other fitness accessories designed to help users build strength.
Total Gym
Another good destination for the purchase of workout equipment, accessories and DVDs. It provides a range of items you can use to set up home and commercial-grade fitness spaces.
Getfitt
This brand specialises in gear like body wrap systems that relax muscle tensions, infrared beanie caps, therapy slippers and gloves, neck masks, and other accessories for body healing through Far Infrared technology.
Golf Bays
It provides indoor golf facilities and services with a realistic and enjoyable experience regardless of weather conditions.
Pearson 1860
A popular electric bike brand with different models like Forge and Shift catering to offroad adventures and regular commute rides.
The Saddle Bank
It offers a wide range of saddles, bridles, horse care products, and riding apparel. The DivideBuy option is available through Saddle Finance and you may be required to submit a separate application if not available at checkout.
Wattbike
It provides indoor stationary bikes designed for athletes and fitness enthusiasts. The brand also offers reconditioned bikes, including its popular models like the Atom and Pro Trainer air bike.
Outdoor Equipment Retailers that Accept DivideBuy
BZ Paintball
You can get paintball markers, protective gear, paintballs, and accessories like hoppers, tanks, and barrels when shopping on this platform.
BZ Tactical
Another BZ-owned dealer in survival game equipment and gear. It houses airsoft items, including BBS, power batteries, riffles, and related accessories.
Grass Warehouse
It offers a range of grass types, thicknesses, and styles to suit various applications, from residential lawns to commercial landscaping projects.
Tuda Grass
This company retails artificial grass, living room walls, porcelain tiles, acoustic panels, composite products, and others to give good aesthetics to home settings.
Waterbox Aquariums
It offers a diverse range of aquarium systems, including freshwater, saltwater, and reef setups, as well as custom options.
Your Artificial Grass
Another retail that provides artificial grass, composite decking, and related products for home and commercial housing needs.
Photo and Art Stores that Accept DivideBuy
Riverside Gallery
From paintings and sculptures to photography and mixed media pieces, it provides a platform for purchasing artworks.
The Rose Gallery
Another retailer offers a good collection of pieces from top artists. Its items include a range of arts, sculptures, and pictorial books for enthusiasts.
Limited 2 Art
A family-owned art store offering free delivery to Mainland UK. Its items are from popular artists like Aaminah Snowdon, Iain Faulkner, JJ Adams, and others.
Dental Services that Accept DivideBuy
Signature Smiles
This brand specializes in custom-built gaming systems, providing tailored solutions for gaming enthusiasts. On its portal, you can also purchase accessories such as keyboards, mice, Bluetooth adapters, and other peripherals.
Other Merchants that Accept DivideBuy
Airless Pro
It provides airless paint sprayers and other equipment like filters and repair kits, catering to contractors, painters, and DIY enthusiasts.
Charles & Ivy
The company specializes in contemporary composite fence screens and decorative panels, offering a stylish solution for privacy and aesthetic enhancement in outdoor spaces.
Gates and Fences
Another fencing products retailer that offers a range of items made of metal, wood, and composite panels with varying designs to suit different preferences.
StairFurb
It provides products like bannisters and DIY balustrade kits that enable the customisation of staircases. To use DivideBuy, you will need to submit a quote request and work with its support team for financing.
Welding Supplies Direct
The platform provides a range of products, including welding machines, protective gear, electrodes, wires, gas cylinders, and others.
Complete List of Stores that Accept DivideBuy
You can use the table below to find your preferred retailer as it contains every merchant that supports financing through DivideBuy:
SHOP | CATEGORY | SUB CATEGORY |
---|---|---|
Airless Pro | Tools | |
All Pets Vet Care | Service | Pet Care |
Andrew Wood Photography | Service | Photography |
Artful Dog Studio | Service | Photography |
Arthauss Furniture | Furniture | |
Ashgrove Vets | Service | Pet Care |
Barber DTS | Beauty | |
Big Business Events | Education | |
Bishopton Veterinary | Service | Pet Care |
Blink of an Eye Studios | Service | Photography |
Bright Side Vets | Service | Pet Care |
BZ Paintball | Outdoor | Guns |
BZ Tactical | Outdoor | Guns |
Charles & Ivy | Others | Fences |
Christies Direct | Service | Pet Care |
Clarendon Equine | Service | Pet Care |
Cloud Nine | Beauty | |
Cocoon | Furniture | |
Comfy Sleeps Home | Furniture | Mattress |
Coquet Vets | Service | Pet Care |
Corbeau Seats | Auto | |
Cosatto | Furniture | |
CuddleCo | Furniture | |
Diamond Whites Aligners | Service | Dental |
Direct Training | Education | |
Direct Training | Education | |
Divine Outdoors | Furniture | |
Divorce Online | Service | Relationships |
Dreamcloud | Furniture | Mattress |
Dusk | Furniture | |
e-Careers | Education | |
Emily Louise Beauty | Beauty | |
Emma Sleep | Furniture | Mattress |
Eze | Furniture | |
Fareham Creek | Service | Pet Care |
Fernlea | Service | Pet Care |
Forever Green | Outdoor | Grass |
Froothie | Electronics | |
Gates and Fences | Others | Fences |
GB Ent | Auto | |
Getfitt | Fitness & Sports | |
Glitterbels | Beauty | |
Golf Bays | Fitness & Sports | |
Grass Warehouse | Outdoor | Grass |
HD Brows Consumer | Beauty | |
Heavenlybeds | Furniture | Mattress |
Hot Rox | Electronics | |
House of Evexia | Beauty | |
Humanware | Electronics | |
Hutch Sofa | Furniture | |
Hypnia | Furniture | |
Igneus | Electronics | |
Imperial Bamboo | Furniture | Mattress |
J'Adore Photography | Service | Photography |
JamGolf | Fitness & Sports | |
Jaspers of Hinckley | Furniture | |
Jorvik | Fitness & Sports | |
JSB Furniture | Furniture | |
K.B Pro | Beauty | |
KC Sofas | Furniture | |
Kingswood | Furniture | |
La Marzocco Home | Electronics | |
Leaf Scissors | Beauty | |
Leeds Stove Centre | Electronics | |
LISF | Furniture | |
Lola Sleep | Furniture | Mattress |
Luff Sleep | Furniture | Mattress |
Luxury Lawns | Outdoor | Grass |
Macqueen Vets | Service | Pet Care |
MotorServ | Service | Auto |
MuscleSquad | Fitness & Sports | |
Nectar | Furniture | Mattress |
Nights in Iron | Furniture | Mattress |
Nouveau HD Beauty | Beauty | |
Nuts4Wheels | Auto | |
Optima | Electronics | |
OTTY Sleep | Furniture | Mattress |
Outlet X | Furniture | |
Panda Life | Furniture | Mattress |
Pearson 1860 | Fitness & Sports | |
PM Tuning | Auto | |
Portraits by Pear Tree | Service | Photography |
PRO Espresso | Electronics | |
Reed | Education | |
REM-Fit | Furniture | Mattress |
Richards Guitars | Electronics | |
Riverside Gallery | Others | Photography |
Rota | Auto | |
Roundwood Vets | Service | Pet Care |
Rowan | Service | Pet Care |
Royal Tubs | Outdoor | |
Scott Veterinary Clinic | Service | Pet Care |
Signature Smiles | Service | Dental |
Simba Sleep | Furniture | Mattress |
Simply Baby | Furniture | |
SimplyCats Vet Clinic | Service | Pet Care |
Skin Health Solutions | Beauty | |
Sleep Express | Furniture | Mattress |
Sleep Kings | Furniture | Mattress |
Sleep.8 | Furniture | Mattress |
SmartDriving | Education | |
Snug | Furniture | |
Sofa Club | Furniture | |
Sonno Beds | Furniture | Mattress |
StairFurb | Others | |
Stem Cell Vet | Service | Pet Care |
Swyft | Furniture | |
The Acorn Gallery | Service | Photography |
The Designer Rooms | Furniture | |
The London Cat Clinic | Service | Pet Care |
The Oak Bed Store | Furniture | Mattress |
The Online Sofa Shop | Furniture | |
The Pizza Oven Shop | Electronics | |
The Rose Gallery | Others | Photography |
The Saddle Bank | Fitness & Sports | |
The Tattoo Shop | Beauty | |
The Top Drawer | Furniture | |
Time4Sleep | Furniture | Mattress |
Top Gear Alloys | Auto | |
Total Gym | Fitness & Sports | |
Tuda | Outdoor | Grass |
Tulip Interiors | Furniture | |
TV Bed Store | Furniture | Mattress |
VetPartners | Service | Pet Care |
Vets One | Service | Pet Care |
VisionAid | Electronics | |
Vonhaus | Furniture | |
Washloo | Electronics | |
Waterbox Aquariums | Outdoor | |
Wattbike | Fitness & Sports | |
Welding Supplies Direct | Others | Tools |
Westport Veterinary Clinic | Service | Pet Care |
Willett House | Service | Pet Care |
Windlesham Vet | Service | Pet Care |
Wolfe Vets | Service | Pet Care |
Yatton Vets | Service | Pet Care |
Your Artificial Grass | Outdoor | Grass |
Frequently Asked Questions on DivideBuy
Here are some frequently asked questions regarding the use of DivideBuy for checkout financing:
What is DivideBuy?
It is a payment platform that offers both short-term and long-term financing options for consumers making purchases at participating online retailers.
It allows customers to split the cost of their purchases into manageable instalments, spreading the payments over several months.
How does DivideBuy work?
It works as a payment gateway option integrated with participating online retailers.
When shopping at one of these retailers, you can select it as a payment method at checkout.
Upon selecting the option, you can apply for financing directly through the retailer’s website.
Once approved, you can complete your purchase and choose a repayment plan offered by DivideBuy.
These repayment plans typically allow customers to spread the cost of their purchase over several months, with fixed monthly instalments.
The platform then facilitates the payment process, collecting the scheduled instalments from the customer’s chosen payment method.
Does DivideBuy check credit?
Yes, it checks credit as part of its financing approval process. It utilizes both soft credit checks and hard inquiries to assess creditworthiness.
Soft credit checks are typically performed during the eligibility check phase, allowing customers to pre-determine their likelihood of qualifying for financing without impacting their credit scores.
However, upon submission of an application, DivideBuy may conduct a hard inquiry, which can have a temporary impact on credit reports.
This hard inquiry is necessary for the application process and enables the platform to make informed decisions regarding financing approval.
How many times can I use DivideBuy?
There is no specific limit on the number of times you can use DivideBuy.
As long as your assigned purchasing power allows for it, you can use the option multiple times for different purchases.
However, it is essential to manage your repayments responsibly to avoid any issues with future transactions.
Does DivideBuy affect your credit?
Yes, it may affect your credit as it conducts a hard inquiry when you apply for its financing option.
This hard inquiry will be recorded on your credit report and may have a temporary impact on your credit score.
Additionally, DivideBuy reports payment activities to major credit bureaus, so timely payments can positively impact your credit score, while missed payments may have a negative effect.
How many payments is DivideBuy?
DivideBuy offers various payment plans depending on the specific terms agreed upon at the time of purchase.
For its 12-month plan, customers typically make monthly payments over the course of one year. This allows them to spread the cost of their purchase evenly over several months without incurring any interest charges.
Alternatively, it also offers longer-term financing options with its interest-bearing credit. Customers can choose repayment periods of up to 60 months, allowing for more flexibility in managing larger purchases.
With the 60-month option, payments may be spread out over a longer period, resulting in lower monthly payments, but it is important to note that interest charges will apply.
What is the DivideBuy spend limit?
For most retailers offering the 2-12 months plan, customers can access up to a maximum of £6,000 in credit for financing their purchases.
However, at select merchants offering the 60-month plan, customers may have the opportunity to access higher credit limits, potentially up to £12,500.
The actual spending limit assigned to a customer is influenced by their monthly shadow limit, which represents the funds available for discretionary spending after essential expenses such as housing, utilities, and other obligations are deducted as well as the credit score.
Does DivideBuy have a virtual card?
It does not offer a virtual card feature like some other buy now, pay later services. Instead, it operates as a payment gateway option that customers can select directly at the checkout when making a purchase from participating online retailers.
Unlike virtual card-based services like Zilch, where users generate a one-time-use card number for each transaction, the platform integrates directly with the retailer’s checkout process.
Customers can choose it as a payment option and proceed with their purchase without the need for a separate virtual card.
Can I pay off DivideBuy early?
Yes, you can pay off your loan early and close the active orders without incurring any fee.
When you make early payments, this can help you increase your assigned purchasing power on the platform since this is one of the factors it considers for measuring creditworthiness.
Is DivideBuy interest-free?
Yes, it offers interest-free financing options for certain repayment periods. For example, if you are approved for the 12-month payment plan, you will not incur any interest charges as long as you adhere to the agreed-upon repayment schedule and pay off the balance within the specified timeframe.
Some merchants may offer interest-bearing credit options for longer repayment terms, such as up to 60 months, which may involve interest charges.
It is essential to review the terms and conditions associated with your agreement, as interest rates may vary depending on the repayment period and the specific retailer you are purchasing from.
Can I withdraw money from DivideBuy?
No, it does not offer cash withdrawal options. It is important to note that the platform is a payment solution primarily designed for making purchases at participating retailers and spreading the cost over an agreed-upon repayment period.
While you can use it to finance your purchases, it does not provide cash withdrawal services like a traditional credit card or bank account.
Who owns DivideBuy?
DivideBuy is owned by Zopa, the digital bank.
Offering consumers flexible payment options at several merchants, it has become a top choice for many users when it comes to instalment plan purchases online.
However, pay your bills on time to enjoy the best features DivideBuy offers like a high spending limit and the opportunity to grow your credit score while enjoying its convenient financing solutions.
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