Reasons to use DivideBuy
No hidden fees and 0% interest APR
Spreading the Cost of your purchase using Interest-Free Credit does not cost any more than paying upfront.
96% approval rate
Our unique lending model allows us to offer Interest-Free Credit to more people.
Complete the 60 second application and receive an instant decision.
No paperwork required
All documents are in digital format and signed using e-signature.
DivideBuy is an Interest-Free Credit provider. In partnership with our retailers, we bring you 0% APR credit for selected products online, in-store or over the phone. You can Spread the Cost on one or multiple qualifying items online by simply clicking the DivideBuy button.
You can choose instalment options from 3 to 12 months depending on the value of your purchase and the retailer. Your application will take just 60 seconds to complete and we will provide an immediate decision allowing you to complete your purchase.
Once approved, you electronically sign your agreement and the retailer will process your order.
With your DivideBuy account you get access to these great features:
Look out for the DivideBuy button
- Exclusive offers from our Retail Partners
- Quick checkout with hundreds of Retail Partners
- View your credit agreement
- View your instalment amounts and dates
- Review your payment history
To access your account or to find out more about DivideBuy, visit dividebuy.co.uk.
Alternatively, call our Customer Service Team who are available on 0800 085 0885.
What are the requirements for credit?
- Be aged between 18 and 75
- Be a permanent UK resident and have lived at your address for longer than one year
- Have a debit or credit card
- Have a valid UK telephone number
Will a credit check be performed?
Yes. DivideBuy uses a third-party credit reference agency to perform a credit check. This is used in combination with your entered details and our own unique algorithm to assess affordability.
Will I have to pay a deposit?
Your first instalment is payable on completion of your order. In some instances, you may be required to pay a deposit based on a combination of your credit score, size of order and number of instalments selected.
How many instalments can I Spread the Cost over?
Depending on the total value of your order and the Retail Partner, you may be able to Spread the Cost up to 12 monthly instalments.
What happens if I want to end my agreement early?
DivideBuy offers the option to repay the remaining balance on your account at any point with no additional charges or fees to pay. You can do this by logging into your DivideBuy account on our website or by calling the Customer Service Team on 0800 085 0885.
Are there any other charges or fees?
There is 0% APR interest and no setup charges, cancellation or hidden fees. DivideBuy 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 complete the checkout process.
Our policy lasts 30 days. If 30 days have gone by since your purchase, unfortunately we can’t offer you a refund or exchange.
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases.
Additional non-returnable items:
* Gift cards
* Downloadable software products
* Some health and personal care items
To complete your return, we require a receipt or proof of purchase.
Please do not send your purchase back to the manufacturer.
There are certain situations where only partial refunds are granted: (if applicable)
* Book with obvious signs of use
* CD, DVD, VHS tape, software, video game, cassette tape, or vinyl record that has been opened.
* Any item not in its original condition, is damaged or missing parts for reasons not due to our error.
* Any item that is returned more than 30 days after delivery
Refunds (if applicable)
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
Late or missing refunds (if applicable)
If you haven’t received a refund yet, first check your bank account again.
Then contact your credit card company, it may take some time before your refund is officially posted.
Next contact your bank. There is often some processing time before a refund is posted.
If you’ve done all of this and you still have not received your refund yet, please contact us at firstname.lastname@example.org.
Sale items (if applicable)
Only regular priced items may be refunded, unfortunately sale items cannot be refunded.
Exchanges (if applicable)
We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at email@example.com and send your item to: Lintronics Group LTD, 71-75 Shelton Street, Covent Garden, London, LND, WC2H 9JQ, United Kingdom.
If the item was marked as a gift when purchased and shipped directly to you, you’ll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.
If the item wasn’t marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and he will find out about your return.
To return your product, you should mail your product to: Lintronics Group LTD, 1 High Street, Retford, DN22 8AJ.
You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.
Depending on where you live, the time it may take for your exchanged product to reach you, may vary.
If you are shipping an item over £75, you should consider using a trackable shipping service or purchasing shipping insurance. We don’t guarantee that we will receive your returned item.
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