DivideBuy review: Spread the cost of payments online

Looking for a way to buy goods now and pay later over a longer time period? DivideBuy might be the right service for you.

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DivideBuy was acquired by Zopa in April 2023.

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 3 and 60 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 3 and 60 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

  • Zero interest. Every order at DivideBuy is entirely interest free, no matter the basket value or term length.
  • Various repayment plans. You can choose a term length between 3 and 60 months, depending on your finances and order size.
  • Fixed monthly repayments. No matter what term length you choose, payments will be fixed at the same amount each month.
  • No early repayment charges. DivideBuy collects your payments monthly but additional payments can be made without a fee.
  • Warning: Late repayments can cause you serious money problems. For help, contact MoneyHelper.

How much does DivideBuy cost to use?

DivideBuy doesn’t charge any interest or fees to use its services. There are no late payment fees and no additional interest if you don’t make a payment.

What happens if I can’t make a payment?

If you are late making a payment with DivideBuy, you won’t be charged a fee or any additional interest. However, DivideBuy does report missed payments to the credit reference agency TransUnion. This means late payments will show up on your credit report and could affect your credit rating and your ability to get credit in the future.

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.

Note that when you complete your application in full, a hard credit check will be carried out. This can have an impact on your credit score, though this is usually only temporary. However, most of the retailers working with DivideBuy offer an eligibility checker before checkout. You can use this to see how likely you are to get accepted for credit before you apply in full. Eligibility checkers only use a soft credit check so won’t hurt your credit score.

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.

Even though you won’t be charged a fee for late or missed payments, these will be reported to TransUnion and will show up on your credit report for other lenders to see. For this reason, it’s important to always make your payments on time and never spend more than you can afford to pay back.”

Rachel Wait, financial journalist

Pros and cons of DivideBuy

  • Buy it now, pay for it later. With DivideBuy you can order your chosen item when you want it and cover the costs later on, without having to wait until payday.
  • Interest-free. DivideBuy doesn’t charge you interest, ever.
  • Flexible payment plans. At the point of purchase, DivideBuy will give you a range of repayment options to choose from.
  • No early repayment charges. You won’t be charged extra for paying back early.
  • Payment reminders. You will be sent a reminder before your payment is due.
  • Credit check. DivideBuy uses TransUnion to perform a full credit check when you complete your application.
  • Late payments could affect credit record. Late payments are reported to TransUnion and will be visible on your credit file.

How can I contact DivideBuy?

DivideBuy can be contacted via its web chat available 6 days a week (Monday to Friday 8am-6pm and Saturday 8am to 4.30pm), by sending an email at hello@dividebuy.co.uk, or you can fill out a Contact Form.

The verdict

DivideBuy offers plenty of flexibility in terms of how long you want to repay your purchases. What’s more, no interest will be charged on your payments and you don’t need to worry about late payment fees either. But it’s important not to let that encourage you to spend more than you can afford to repay. Otherwise you risk doing some serious damage to your credit score.

Have more questions about DivideBuy?

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To make sure you get accurate and helpful information, this guide has been reviewed by Rachel Wait, a member of Finder's Editorial Review Board.
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Amelia was a writer at Finder specialising in style and travel. See full bio

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