DivideBuy Reviews 3,905

TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 178 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently find the application process straightforward and easy, often highlighting the quick decisions and approval times. People appreciate the interest-free payment plans and the flexibility they offer, making larger purchases more manageable. The website and personal account management are frequently praised for being well-designed and easy to navigate, contributing to a seamless user experience. However, some reviewers were not happy with slow response times from customer support and encountered issues with logging in or processing payments. A few other people also felt that credit rejections were given without clear reasons, leading to frustration and wasted effort.

What people talk about most

User experience

Consumers find the user experience to be positive, with many describing the application process as easy,... See more

Payment

People report positive experiences with payment, highlighting the ability to pay over several months... See more

Service

Users describe positive interactions with service, highlighting the ease and straightforwardness of the... See more

Response time

Reviewers mention ambiguous feedback about response time, with many customers praising the quick responses... See more

Website

Clients share positive opinions on the website, finding it easy to use, straightforward, and quick for... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Really good able to pay over 6 months for my purchase which has made it possible for me to afford the purchase and interest free great service so far looking forward to buying with them again Thanks... See more

Rated 5 out of 5 stars

Well, having Octopus Energy as my supplier for many years we thought it time to look into Solar Panels, this is backed by DivideBuy making it really easy to finance over a number of years. We wen... See more

Company replied

Rated 5 out of 5 stars

I spoke to Becky on their online chat system and she helped me log into my online account and update my expired card details and make a payment. She was super friendly and helpful, quick to respond an... See more

Company replied

Rated 5 out of 5 stars

I was faced with a very expensive veterinary bill not covered by insurance and was panicking about where to find the money. Usual lenders won’t give me a loan because I am too old. The decision was in... See more

Company replied


Company details

  1. Non-bank financial service

Written by the company

Established in 2014, DivideBuy is a UK based consumer retailer credit provider, offering interest free finance in a simple, straightforward way for retailers and consumers. Our customers can spread the cost of their purchases from 2 to 12 months with hundreds of shops to choose from. Monthly instalments are chosen by you to suit your budget, all interest free and with no hidden fees. Plus, with your online account, you can see the status of your orders, make early repayments, and manage your personal information, all without having to contact us. Now that's smart.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

4k reviews

5-star
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Rated 5 out of 5 stars

They are really good

They are good

21 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you, Shazana.

We’re delighted you had such a positive experience shopping with DivideBuy!

Take care,
The DivideBuy Team

Rated 1 out of 5 stars

I was looking forward to having Solar…

I was looking forward to having Solar Panels installed by Octopus on their 0% finance offer. I have a very high credit score and never been refused credit or missed payments etc... However, Devidebuy refused the finance with no reason given and cost me (and Octopus) a LOT of wasted time and effort. Not impressed.

14 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for taking the time to leave us a review, Kevin.

We're sorry to hear that you were not accepted for credit. Should you wish to discuss this further, please contact us on our live chat facility that is accessible on our website: https://dividebuy.co.uk/help/ or send our team an email to customerservice@dividebuy.co.uk.

Kind regards,
The DivideBuy Team

Rated 5 out of 5 stars

EXCELLENT

It was so easy to set up 0% interest & can pay it up quicker if needed. Thank you

24 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Susan.

We're happy to hear that the setup was easy and you appreciate the flexibility of the 0% interest. Thank you for your positive feedback!

Best wishes,
The DivideBuy Team

Rated 5 out of 5 stars

Problem

I had problem logging on but it was very quickly sorted when I spoke to customer services
Very efficient

24 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Philip.

We're happy to hear that our customer service team quickly resolved your login problem. We appreciate your feedback and are glad the process was efficient for you.

All the best,
The DivideBuy Team

Rated 5 out of 5 stars

Very Easy Process

Very easy process to follow to finance a home improvement over a 12 month period.
Given that the loan is interest free, why wouldn't you do it?
Very happy with the purchase, providing fitting is straightforward?

23 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review.

We're happy to hear that the financing process was easy to follow. It's great you found the offer appealing. We hope the fitting goes smoothly and you are satisfied with your purchase!

All the best,
The DivideBuy Team

Rated 5 out of 5 stars

Very easy to apply and quick approval

Very easy to apply and quick approval
at a very difficult stressful time when urgent decision needed.
Grateful Thanks

23 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Paula.

We're happy to hear that our application process was easy and quick, especially during such a difficult and urgent time. We appreciate your thanks.

We hope to see you again soon,
The DivideBuy Team

Rated 5 out of 5 stars

Amateur Decorator

Their response to my inquiry was quick and respectful giving me access to set up an account without delay.

23 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Diane.

We're happy to hear that our team provided you with a prompt and respectful response. We appreciate your feedback and are glad you could set up an account quickly!

All the best,
The DivideBuy Team

Rated 5 out of 5 stars

Fantastic service

Straightforward process, very fast ,very easy to apply!
I haven't full amount in one go to pay for my dog bills to Vet ,so just very helpful!
I didn't know even this service does exist, to be honest!
I will recommend
Thank you so much!

21 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review.

We're so glad the process was fast and easy for your needs. It's great to know our service helped with your dog's vet bills. We appreciate you recommending us!

Best wishes,
The DivideBuy Team

Rated 5 out of 5 stars

Used this company before

Used credit for the same item a few years ago! Like if you've a few pounds left over end of the month.. Just log in and pay the following payment early! All round good company and Thank you

21 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Marcos.

We appreciate you sharing your positive experience with us. It's great to know our service has been helpful for you over the years.

All the best,
The DivideBuy Team

Rated 4 out of 5 stars

The process was quite straightforward…

The process was quite straightforward and I had no issues with the online experience. The information provided is quite comprehensive and gives me the confidence that the finance will be in place when needed

17 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, David.

This is excellent to hear! We’re pleased to have been able to assist you in placing your order using our services.

Do let us know how we can help change your 4 star to a 5 star review!

We hope to see you again soon,
The DivideBuy Team

Rated 5 out of 5 stars

Clear terms and conditions

Very easy application process with clear terms and conditions.

18 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Rachel.

We love it when customers find shopping with us so convenient, simple and hassle-free.

We hope to see you again soon!
The DivideBuy Team

Rated 5 out of 5 stars

Very straightforward

Very straightforward, easy and quick to do

14 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Hi Christine,

We're happy to hear that the process was straightforward, easy, and quick for you. Thank you for your positive feedback; we appreciate it.

Kind regards,
The DivideBuy Team

Rated 5 out of 5 stars

Straightforward

It was a relatively straightforward process to go through, DivideBuy ensured that all small print was shown and ticked before moving to the next stage.

10 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Glyn.

We love it when customers find shopping with us so convenient, simple, and hassle-free.

We hope to see you again soon!
The DivideBuy Team

Rated 5 out of 5 stars

Very very easy

Very very easy

10 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you, Choto.

We love to hear when customers find shopping with us so easy!

We hope to see you again soon,
The DivideBuy Team

Rated 5 out of 5 stars

Easy and helpful service!

I bought a bed frame and used DivideBuy to pay monthly. The process was fast and very easy. Everything was clear and I got quick approval. I am very happy with the service. Thank you!

10 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for your review, Gintas!

This is excellent to hear! We’re pleased to have been able to assist you in placing your order using our services.

We hope to see you again soon,
The DivideBuy Team

Rated 2 out of 5 stars

No phone number to contact when issues arise.

To start with whilst the initial experience was dreadfully frustrating, which is why I have given only 2 stars, the final contact from Lizzie on the phone was definitely worthy of 5 stars and she needs to be recognised for this.

So, back to the minuses which are all down to the website. Trying to fill out the application form was very very frustrating.
If for any reason it did no like something that was put in, it would go back to the top of the form, but not let you know (highlight) what the problem was. As an example, in the drop down list to pick either working, retired, etc as I am retired so naturally I picked that. When I went to submit it, the form just scrolled to the top saying something was not right...but not what it was. I checked everything, spellings etc all good. So tried again and again and again but with the same result. Then I clicked on that drop down list and just out of frustration picked 'Retired' and that then worked. Yes, whilst I have literally only just reaches pensionable age, I have been retired for 7 years and naturally thought of myself as that.
So, once that was sorted if for any reason I could not find any other issues (which I did not do initially on about three occasions, it would then say oops, seems you have and add blocker, please disconnect it. So I did, and my VPN but it made no difference it still thought I had an add blocker on and after trying again, it just cancelled the order and say I had to get Octopus to reapply. This happened about three times.

I naturally tried the 'chat bot' but all that did was not connect but spin round until I gave up. So, next email. but again for some reason it just did not go through. So, I ended up copying the email address and sending via my own private email.

Eventually when I was contacted by email I was asked to take off add blocker and change my browser, which I had already done, but to no avail. I use Firefox which is a common browser used by millions of people and I have never had any issues with any other website.

I will admit on one of the many occasions I tried to complete the online from, in my frustration I accidentally put my date of birth the wrong way round, so I was asked to confirm by the email what it was. Now, again if when I accidentally did this, why did the system not show it up?

Nothing worked and so I was told I would be sent another request form connection and did I want Octopus to request it or happy that DivideBuy sent it direct. I said to let DivideBuy send it direct. I was also asked if I wanted a telephone call to book one which I did. for the following Monday The new connection never turned up and nobody called me on the date and time given.

All this time I was also in contact with Octopus who liaised with someone at DivideBuy and I eventually received an email from Lizzie. She apologised saying my phone request was not passed on. So, we arranged another call. Lizzie was brilliant. Took time to go through the issue and eventually it was sorted by me having to simply un-tick some boxes in my Firefox security settings. It was as simple as that. She stayed on the phone whilst I went through the whole process again, until it was submitted successfully. She was patient, friendly and knowledgeable. When asked questions, Lizzie explained everything clearly and concisely in an easy to understand way.

Had I been able to actually talk to someone the first time it went wrong this would have been sorted about 5 days before. Chat bots and email are fine if they work, but sometimes you also just need to speak to a person to explain the issue and for some reason you seem reluctant to allow this or at least make it difficult.

The frustration I experienced meant I was very close to just giving up and cancelling my order with Octopus. Luckily the Octopus representative Ross also helped in eventually getting me the call I needed.

Again 10 out of 10 to Lizzie but a sorry 2 out of 10 for the website and reluctance to want to actually speak in person to a customer.

7 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you for taking the time to leave your feedback, Paul.

We're sorry to hear about your experience and that you had some trouble with completing your application. We value your feedback and we’ve passed it on to the team so that we can make continuous improvements.

We're happy to hear that our team were able to assist you and that you were able to complete your order.

All the best,
The DivideBuy Team

Rated 5 out of 5 stars

It was such a pleasure and kind…

It was such a pleasure and kind experiencedl with your company. Your checks and application was so quick and easy. Thank you. And the regular updates are great thank you

7 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you, Cher.

We’re delighted you had such a positive experience shopping with DivideBuy!

Take care,
The DivideBuy Team

Rated 5 out of 5 stars

It was quick and easy

It was quick and easy

6 July 2025
Unprompted review
DivideBuy logo

Reply from DivideBuy

Thank you, Colin.

We love to hear when customers find shopping with us so easy!

We hope to see you again soon,
The DivideBuy Team

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