Buy Now, Pay Later - 0% Finance with Divido

How does it work?

Select the products you like and choose to check out with Divido.

Complete the online application form. It takes 30" to find out your result.

If prompted complete the ID verification, review and sign your agreement with the lender electronically.

Once you’ve signed, we’ll deliver the goods to your home address.

How much will I pay?

A minimum 10% deposit is required. The monthly payment depends on the finance plan selected. We offer plans with periods from 6 to 12 months. Here are example breakdowns for plan with 12 months period:

Basket cost
10% DepositMonthly Payment
£250£25£18.75 / month
£400£40£30 / month
£750£75£56.25 / month

Finance is enabled as a payment option with an order value of minimum £250 and maximum £25,000.

Representative Example (0% finance)
Purchase Price £999.00
Deposit £99.90
Amount of credit £899.10
Total Repayable £999.00
Agreement Duration 12 months
Monthly Payment £74.93
Rate of Interest (fixed) 0% per annum
Representative 0%APR

Am I eligible?

To apply you must:
  • Be over 18 years of age
  • Be a UK Resident for at least 3 years
  • Have a UK bank account that can accept direct debits
  • Have credit or debit card registered to your home address
  • Have a stable income whether through permanent employment or other means (pension, Disability Allowance, etc.)
  • Be OK for there to be a credit check performed when you submit your application

Please note: Delivery must be to the address you put on the finance application, which must be the same as your billing address of the bank account you’re applying with.

Financial Service

We have partnered with Divido Financial Services Ltd ( to offer you a quick, simple and 100% paperless process to access affordable finance options.

For any queries during the application process or when signing your credit agreement their Customer Service team will be happy to help either through their chat by pressing the help button, by phone on 020 3773 9510 and by email at

Our lender is Omni Capital Retail Finance Limited (


What information will I need to provide?

During Divido’s secure application process you will be asked to provide some basic personal details such as your marital, residential and employment status. You will also need to have your bank account handy and possibly your credit or debit card information for deposit and ID verification.

Why was my application unsuccessful?

While the lender will never tell us exactly why they decline a customer (due to data protection), it’s usually due to eligibility, not having enough credit experience, having negative credit file information or providing unsatisfactory information in the application.