0% Finance

Spread the cost with 0% Finance

Pay in 4 instalments over 6 weeks with Clearpay. Or over up to 12 months with DivideBuy.

Interest-Free Financing

Enjoy the convenience of spreading payments over time without incurring any interest charges (see terms).

Flexible Payment Options

Choose from various payment plans tailored to suit individual needs, offering flexibility in managing finances.

Quick and Easy Approval

Quick and Easy Approval

Pay over 6 weeks with Clearpay

Pay over 6 weeks with Clearpay

How Clearpay Works

No long applications

Just have your email, phone number, address, DOB and debit/credit card handy.

Pay over six weeks

Choose Clearpay at checkout and pay in 4 interest-free instalments - make your first payment today and the rest over 6 weeks.

Get the Clearpay app

Find out about the Clearpay App here.

Late fees apply if you miss a payment

No fees when you pay on time. We’ll send you reminders and cap late payments to help you get back on track.

Full disclaimer

Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. Ensure you can make repayments on time. You must be 18+ and a permanent UK resident (excl Channel Islands). Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and your details may be passed onto a debt collection agency working on Clearpay's behalf. Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at clearpay.co.uk/terms

Pay over 2 to 12 months with DivideBuy

Looking for an easier way to spread the cost of your shopping, interest free for purchases between £50 to £7,500 (subject to status)?

Late fees apply if you miss a payment. No fees when you pay on time. We’ll send you reminders and cap late payments to help you get back on track.

Why Use DivideBuy?

  • Interest free instalments

  • Check eligibility without affecting credit score

  • Automatic repayment

  • Quick and easy

Spread the cost, interest-free

  • 1

    Add items to your basket

  • 2

    Go to checkout and select DivideBuy

  • 3

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

  • 4

    Pay first instalment

  • 5

    Your goods are on their way

DivideBuy FAQ's

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 three digit 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 visit the DivideBuy website.

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 at 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

Full disclaimer

Zopa Embedded Finance Limited t/a DivideBuy credit agreements are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Credit is available to permanent UK residents aged 18+, subject to status, any missed payments may affect your ability to obtain credit from DivideBuy and other lenders. Please spend responsibly. Zopa Embedded Finance Limited registered at First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. Company number 14602085.Copyright © 2023 Zopa Embedded Finance. All Rights Reserved.

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