Split the cost of your tricycle with 0% Interest-Free Credit
Take the worry-free route with interest-free monthly payments.
Why use DivideBuy?
Interest free instalments
Check eligibility, no effect on credit score
Repayment automatic
Quick and easy
Spread the Cost, Interest Free
Add items to your basket
Go to checkout and select DivideBuy
Provide some personal details. If you are approved get instant credit decision
Pay first instalment
Your goods are on their way
Representative Example
Purchase Price |
£999.00 |
Amount of Credit |
£999.00 |
Total Repayable |
£999.00 |
Agreement Duration |
12 months |
Monthly Payment |
£83.23 |
Rate of Interest |
0% oer annum |
Representative |
0% APR |
Monthly Payment Example
Purchase Cost |
Monthly Payment |
|
£480 |
£40 / month |
|
£750 |
£62.50 / month |
|
£900 |
£75 / month |
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
FAQs
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 threedigit 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 click here.
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 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
Interest free credit agreements provided by Zopa Bank Limited trading as DivideBuy are not regulated by
the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service.
Zopa Bank Limited trading as DivideBuy is authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial
Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has
its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. VAT Number 281765280.
DivideBuy's trading address is First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5
1HH.
© Zopa Bank Limited 2024. All rights reserved.
FAQs
Are you Interest-Free or are there any hidden charges that will increase the price?
There are no hidden fees, arrangement fees or interest charges on products you choose to Spread the Cost with DivideBuy.
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.
Other Top Sellers...
At Jorvik Tricycles, we want to make buying a tricycle accessible for everyone. We know that a one-off purchase isn’t always affordable, and that’s why we’ve sought out a 0% interest option to help you spread the payments and get you on three wheels without the worry. The only thing you’ll be left to think about is which tricycle is the one for you!