Spread the cost, Interest Free & Join over 500,000 happy shoppers.

And what’s more…

Wondering about whether to buy, using interest free credit? Interest Free Payment could be the smarter way to pay. We offer a variety of repayment plans to suit your budget. From 2 to 12 months – it’s flexible and always interest free.


Pay in Monthly Instalments Spread the cost of your order easily in monthly instalments between 2 and 12 months.

Fixed Amounts Your monthly payments are fixed at the same amount for the term of your agreement.

Rapid Application With an instant decision and a 60 second application, you can spread the cost of your order in a few simple steps.

No APR to Pay Every order is entirely interest free, no matter the basket value or term length.

You’re in Control You choose how long to spread the cost of your order over, for a plan to suit you

No Early Repayment Charges The recurring card payments are collected monthly until your balance is paid, but you can make additional payments


More Questions?

Click here to check your eligibility with no impact on your credit rating.



How much interest will I pay?

0% APR, every order is entirely interest free, no matter the basket value or term length.


Is there a minimum loan amount?



How much deposit is required?

Your first instalment is always required to place an order. Subject to status, you may be required to pay a deposit alongside your first monthly instalment. This will reduce your monthly payments accordingly.


Can you deliver to a different delivery address to the application?

Yes however this is at their discretion, we will only deliver orders to the address on the application. If you need to change your addres please email hello@dividebuy.co.uk with your previous address details and proof of your new address (bank statement, council tax statement or utility bill). When they receive your documents, they’ll confirm if they're able to change this for you.

If so, the new details will be on your account the next time you log in and they'll pass these over to us so we can update this for you.  If your query is urgent then you can also reach them on live chat.   
Once you've done this, please contact Sofa Club as we'll need to put your delivery on hold while DivideBuy process your request. It's really important that you do this to avoid paying a £99 re-delivery fee.


Can I apply more than once?

Yes. DivideBuy acknowledge the circumstances can change and if your previous application has been refunded, it does not mean that they will automatically turn down a future request. We do however suggest that you leave at least 6 months between applications.


Do I have an online account?
An online account will be created for you when you complete your first application with us. With your online account, you can see the status of your orders and your account history, make payments and manage your personal information. To log in to your account, click here.


How do I make payments?

Payments are collected via a Continuous Payment Authority (CPA). A continuous payment authority (CPA) is a recurring payment that we set up using your payment card details. As part of this process, we ask your permission (‘standing authority’) to take payments as and when they’re due. We collect payments automatically on the date your instalment is due.


How do I cancel my application?

You can cancel your application at any point before you have signed the online documents by contacting the Sofa Club team. You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement, without giving any reason, within 14 days from the day after the day on which the agreement is signed by you.


How do I contact DivideBuy about my finance agreement?

DivideBuy live chat team are available 7 days a week at the following times:
Monday – Friday 8.00am to 8.00pm
Saturday 8.00am to 4.30pm
Sunday 9.00am until 4.30pm.
You can contact them on live chat here


More Questions?

Please contact the team here


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.

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