0% Interest-Free Finance available | Nationwide Deliveries | Over 70,000 Products

Reasons to choose finance with Divide Buy or Klarna

- No hidden fees and 0% interest APR

- Spreading costs of your purchase does not cost any more than paying upfront

- High success rates with both providers

- Quick applications

- Instant decisions and soft checks that don't affect credit scores

- No paperwork required

- All documents are in digital format and signed using e-signature

- Buyer protection guaranteed

Look out for the DivideBuy and Klarna button

FAQS

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 

What’s the difference between Divide Buy and Klarna?

Both operators offer 0% interest finance, however, there is one clear defining factor between the two operators. With Divide Buy you are not limited to 3 months. Instead, you can pay up to 10 months on orders at £450 or more for as many items as you’d like.

Klarna is up to 3 months interest-free on ANY amount! They also have an additional option to “buy now pay later” which essentially means when your goods are shipped you have 18 days in which to pay, giving our customers even more confidence in their purchase.

How to Apply

To begin, add your selected item(s) to the cart and head to the checkout. You will then need to select "DivideBuy" or “Klarna” as your payment option in the payment section. Please be aware, for Divide Buy orders, your order total must be at £450 or more to qualify.

Once selected, a form will be generated allowing you to create an account and fill out relevant details. Once completed, the form will give its customers an instant decision. If you find you are eligible for this service, you will need to sign via an online e-signature and pay the first deposit upon completion.

Your items will be delivered to you as normal and you will not need to wait until you have paid off your order total to receive your goods.

Alternatively, if you need direct assistance with your form please visit the relevant website:

Divide Buy: dividebuy.co.uk

Klarna: klarna.com

Will a credit check be performed?

Yes. Most finance companies use 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 10 monthly instalments.

What happens if I want to end my agreement early?

DivideBuy and Klarna offer the option to pay 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 respective finance account.

Are there any other charges or fees?

There is 0% APR interest and no setup charges, cancellation or hidden fees. DivideBuy and Klarna 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.

Instalment Plans are provided by Klarna and DivideBuy (DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Credit subject to status and age. Terms & conditions apply. Dependent on your credit score, you may be asked to pay a deposit or assign a guarantor. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266.)