Interest Free Credit Options
Interest-free credit with DivideBuy
Spread the cost of your new Pearson 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.
How it works
- 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.
Frequently asked questions
Are there limits on how much I can spend?
Up to 12 months, interest-free credit is available on products between £50 and £6,000. Beyond 12 months, where interest-free or interest-bearing credit is offered, the limit is up to £12,500. Credit terms are set on an individual retailer basis.
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
Will a credit check be performed?
Yes. A credit check is carried out to assess your eligibility during the application. DivideBuy also offers a quick eligibility check on this website that will not affect your credit file.
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.
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.
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).
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.
How do I manage my account?
Log in at accounts.dividebuy.co.uk to manage your account and make payments.
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.
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.
Still need a hand?
Talk to a human in London.
Our customer care team is small, knowledgeable and based in the workshop.
Mon–Fri 09:00–17:30 GMT · [email protected]