DivideBuy review: Spread the cost of payments online

DivideBuy provides an interest-free credit payment option that allows you to spread the cost of your purchases across a specified time period. This can be anywhere between 2 and 12 months, depending on the shopping site in question.

How does DivideBuy work?

DivideBuy partners with online retailers looking to offer simple third-party financing solutions for customers who want to buy now but need to pay later. Customers shop at their chosen online store as usual and at the checkout select DivideBuy as their payment method. Once you have selected DivideBuy, you will sign into or create your account and provide your bank or card details. Your monthly payment amount is calculated by splitting the balance over a chosen time period, which ranges between 2 and 12 months.

Which retailers offer DivideBuy?

You can check out our full list of DivideBuy retailers and find out where you can buy now and pay later.

Features of shopping with DivideBuy

How much does DivideBuy cost to use?

DivideBuy doesn’t charge any interest or fees to use its services. The only situation in which you’ll pay more than your total purchase price is if you do not have enough money in your account to make the automatic payments. In this case, you will be charged a late fee and will need to log in to your DivideBuy account to clear the balance.

What happens if I can’t make a payment?

If you are late to making a payment with DivideBuy, the provider may add late payment fees to your account. Specific fees for these missed payments have not been made public, but DivideBuy says all the details are explained in your credit agreement before you electronically sign at the checkout process. If you aren’t sure, it’s best to get in touch with DivideBuy as soon as possible.

How to sign up for DivideBuy

Simply complete a purchase through one of the retailers working with DivideBuy and select DivideBuy as your payment method. As you are guided through your credit application, you are also creating your DivideBuy account.

What can I do if something goes wrong?

On the off chance that you encounter a problem with DivideBuy, we suggest taking a look at the list of frequently asked questions on the site. Can’t find your question on there? Chat online with a DivideBuy customer service expert, or email the team at hello@dividebuy.co.uk.

Pros and cons of DivideBuy

How can I contact DivideBuy?

DivideBuy can be contacted via its web chat available 7 days a week (Monday to Friday 8am-8pm, Saturday 8am to 4.30pm and Sunday 9am-4.30pm), by sending an email at hello@dividebuy.co.uk, or you can fill out a Contact Form.

Have more questions about DivideBuy?

• Is DivideBuy safe?

  Yes. DivideBuy combines Secure Socket Layer (SSL) technology with advanced address and bank checks to provide all its customers with peace of mind, as well as helping to combat fraud.

• Which cards does DivideBuy accept?

  DivideBuy accepts UK Mastercard and Visa credit and debit cards.

• How do I return an order?

  Contact the retailer you purchased your item from.

  All returns are subject to the retailer’s returns policy. If you have a specific concern or dispute, contact DivideBuy’s customer service.

• Where do I go to manage my payments?

  Log in to your online DivideByuy account to view your repayment schedule.

• When will my first payment be taken?

  Your first instalment is required to place an order. Subject to status, you may be required to pay a deposit alongside your first monthly instalment too, which would reduce your remaining monthly instalments. The remaining payments are due one month apart after that date.