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Interest-free credit with DivideBuy
Spread the cost
at 0%.
Your new Pearson, paid over 12, 18, 24 or 36 months with interest-free credit from DivideBuy. You can apply at the checkout in a couple of minutes, with nothing to pay upfront beyond your first instalment.
Interest0% APR
Spread over12 to 36 months
Available from£1,000
To apply at the checkoutUnder 2 minutes
Work it out
What your Pearson costs a month
Pick your bike and your term. At 0% APR you pay the cash price, spread over the months you choose.
Every bike, every month
The range at 0%
Every complete bike over 36 months at 0% APR.
How it works
Five steps at the checkout
- Add the items you want to your basket.
- At the checkout, choose DivideBuy.
- Apply for credit in less than two minutes.
- Make your initial payment.
- Your order is processed and dispatched.
Interest-free credit with DivideBuy
Who can apply?
- Aged between 18 and 75
- A permanent UK resident
- A valid debit or credit card
- A valid UK mobile number
- A valid email address
A credit check is carried out to assess your eligibility during the application.
Still need a hand?
Talk to a human in London. Our customer care team is small, knowledgeable and based in the workshop. Monday to Friday, 9:00 to 17:30, or email [email protected].
Frequently asked questions
Spending and charges
Are there limits on how much I can spend?
You can spread the cost over 12, 18, 24 or 36 months, all at 0% APR through DivideBuy. Finance is available on orders of £1,000 or more. On a 12-month plan the most you can borrow is £6,000; on 18, 24 or 36 months, up to £12,500.
Are there any fees or charges?
There are no hidden charges. Where an interest-bearing product is selected, a fixed interest rate is charged as part of the instalments. Everything is set out in the documentation provided before you sign at the checkout.
Will a credit check be performed?
Yes. A credit check is carried out to assess your eligibility during the application.
Payments and your account
How do I make my monthly payments?
Payments are collected automatically by Continuous Payment Authority (CPA) using your card details, on the date each instalment is due.
How do I manage my account?
Log in at accounts.dividebuy.co.uk to manage your account and make payments.
Delivery, cancellations and returns
Can I have my order delivered to an address other than my billing address?
To guard against fraud, DivideBuy must approve any delivery to an address other than the billing address. Once you have placed your order and paid the first instalment, contact DivideBuy directly and they will notify us of the change.
What if I want to cancel or return my order?
Contact us first to cancel. If your order has already arrived, return it using our returns process. We will confirm the return to DivideBuy so they can issue a refund and cancel your credit agreement.
If you need help
My application was declined. What now?
We are sorry your application was declined. You have the right to appeal, though the outcome may not change. Contact DivideBuy at [email protected], and they may ask for further information. You may also want a copy of your credit file; the credit reference agency used is TransUnion International Limited, One Park Lane, Leeds, West Yorkshire LS3 1EP (transunion.co.uk).
Who do I contact for help?
For anything related to DivideBuy interest-free credit, contact DivideBuy at [email protected] or through live chat at dividebuy.co.uk.
More questions
What payment methods do you accept?
We accept all major debit and credit cards. We also offer 0% finance through DivideBuy and accept all Cycle to Work scheme certificates.
Do you offer finance?
Yes. 0% finance through DivideBuy over 12, 18, 24 or 36 months, all at 0% APR. Pearson covers the interest. Available on almost every Pearson bike.
For comparison: most bike shops offer 12 months at 0% at most. We offer up to 36 months.
How does DivideBuy 0% finance work?
At checkout, select DivideBuy as your payment method and complete a quick credit application. If approved, choose 12, 18, 24 or 36 months. Your first payment is made at checkout and the rest is spread across your chosen term at 0% APR. No hidden charges.
For questions about eligibility, DivideBuy's customer service team can help directly.
Do you accept Cycle to Work?
Yes. We accept all Cycle to Work schemes. If we are not already registered with your provider, we will set it up while you wait.
For Cyclescheme specifically: choose your bike on our site, get your voucher from your employer via Cyclescheme, then email the voucher to us and we will process your order.
If you use a different scheme provider, get in touch and we will walk through the process with you.
Do you offer a trade-in or part-exchange?
We do not offer a trade-in or part-exchange directly. If you are looking to sell your existing bike before purchasing, Cycle Exchange is a platform for buying and selling second-hand bikes in the UK and may be a useful starting point.
Buying through work?
Cycle to Work saves you the tax
Pay from your gross salary and save the Income Tax and National Insurance on your Pearson. We accept all Cycle to Work schemes, with no admin charge.
Interest-free credit agreements provided by Zopa Bank Limited trading as DivideBuy that are 12 months or less in duration 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 with 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.