Your Account lets you manage your account online with us 24/7. That means you can place a new order, learn your Credit Limit, make a reuqest for an increase or decrease in your Credit Limit, check all your transactions whenever you like. It really is up to you.
Below is a step-by-step guide to what My Account offers you:
1-Orders
Use this section to learn all the details and transactions of your orders, the products information, payment plans and invoice details
2-My Shopping Limit
Use this section to learn your Divide Pay Credit Limit, send a request to increase your Limit or contact us if you want to decrease your current Limit.
3-My Installments
From this section you are able check your Installments, their due date, payment status and also make a payment. If you pay for your items using your account you can use this section to make payments off your account online using direct debit, debit cards, Maestro cards and credit cards.
You can also make a full or partial payment towards your Buy Now Pay Later purchases.
Making partial payments prior due date without clearing the cash price in full will reduce the lump sum of compound interest charged at the end of the delayed payment period.
Remember, if you choose not to pay the cash price before the end of the delayed payment period, any outstanding balance plus a lump sum of compound interest will be charged to your account. Interest is charged at your account rate.
4-My Online Payment
This would be the section where you can access all of the transection details of payments attempts, successful or failed. You will see all of the information in a chronological order and would there be any problem with it you have the transaction number as a reference when contacting our customer support.
5-Document/File Upload
This is were you can upload any document required from you.
6-Request Form
In this section you can address your inquiries or problems to corresponding departments. After selecting the proper department you can write a detailed message and click send. You will be contacted within 24 hours.
7-Settings
Here you can update all of your Profile, Personal Information, or even change your Login Password.

How do I make a payment towards my Buy Now Pay Later order?
To make a full or partial payment simply log into "My Account", choose "My Installments", select "Make a Payment" and allocate your payment to the specific Buy Now Pay Later you wish to pay off. Making partial payments prior to due date without clearing the cash price in full will reduce the lump sum of compound interest charged at the end of the delayed payment period.
Remember, if you choose not to pay the cash price before the end of the delayed payment period, any outstanding balance plus a lump sum of compound interest will be charged to your Divide Pay Account. Interest is charged at your account rate.

What is compound interest?
Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.
Where is Buy Now Pay Later shown on my statement?
A breakdown of all Buy Now Pay Later purchases can found in My Installments Summary on your statement. You can also view and manage your Buy Now Pay Later in My Account.
What is excluded from Buy Now Pay Later?
The costs for delivery and installation services cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.

After you have added to your Cart the products you want to purchase by Divide Pay-Buy Now Pay Later the procedures are as follows:
1- Select the product you like on our website and press the "Buy Now" button.
2- If you are not a member, or if your information is missing, complete your personal information by logging in as a member.
3-Return to your cart and press the "Continue Order" button.
4- Since your payment method is "Buy Now, Pay in Installments", a forward shopping survey will appear before you make any payment, and when you fill out this survey and click the "Create Order" button, you will have completed your application.
5- Your application will be finalized within a maximum of 3 working days. (If we need additional information, our team will contact you by phone or e mail)
6- If your application is accepted, the sales contract is prepared and delivery process will begin, so that after the sale contract is signed the product will be sent to your address.
7- You must pay your first installment within 30 days of receiving your products. After logging in to the installment details, you can access your installment information from the options under your member information.

My Account
Making a payment to your account is quick and easy, plus it’s available 24 hours a day, 7 days a week.
Log into My Account and choose ‘My Installments’.
You can pay by both credit and debit cards and your payment will show on your account the same working day. Want to make a full or partial payment to the things you’ve bought with Buy Now Pay Later, then login to My Account, choose My Installments and then select Make a Payment. Remember to select the specific item(s) you wish to pay off.
Making partial payments without clearing the cash price in full will reduce the lump sum of compound interest charged at the end of the delayed payment period.
Remember, if you choose not to pay the cash price before the end of the delayed payment period, any outstanding balance plus a lump sum of compound interest will be charged to your account. Interest is charged at your account rate.
Having Financial Difficulties
Please contact us via e-mail and a member of our team will talk things through with you (From Monday to Friday 8am – 8pm and Saturday 8am – 6pm).

If your account has been locked due to unsuccessful attempts to sign in to your account, you’ll need to reset your password so that you can continue to shop.
Just follow the simple steps below and you’ll soon be browsing all your favorite things again.
*Click on ‘Forgotten your password?’
*Complete the form and click continue.
*We’ll send you an email containing a link to the password reset page.

Please note: If you don’t receive an email, please check your Junk Email folder before contacting us.

*Click on the link in the email and complete the form.
It’s really important that your new password is secure so please make sure it:

a) Have at least 8 characters
b) Include at least one lower case letter
c)Include at least one upper case letter
d)Include at least one number

Once you’ve updated your password you’ll be able to go shopping at Divide Pay right away. If you haven’t attempted to log on to your account, please get in touch with us immediately.

How will I know if my account is in persistent debt?
As part of the FCA rules on persistent debt we will be in touch if you have, over the past 18 months, paid more in interest, fees and charges on your account than towards paying back the amount you borrowed. Under the FCA rules this means your account is in something called “persistent debt”. We will monitor your account and will let you know when your account is in persistent debt.
18 months notification: If your account is identified as being in persistent debt, then we will contact you to explain your options and offer support if you need any extra help.
27 months notification: If you have not made sufficient payments to help reduce your persistent debt balance, we will get in touch again and explain what you need to do next.
36 months notification: If you're still in persistent debt at this stage, we will contact you with the option of a Persistent Debt Plan to repay your balance within a reasonable period of time.
If you choose to opt out of a Persistent Debt Plan we may need to suspend your credit account.
Why does it matter if I'm in persistent debt?
Although your credit account gives you flexibility on how to repay your balance, making consistently low payments compared to your balance may not be a cost effective way to borrow. Having long term debt also means that you're more at risk of running into financial difficulties in the future.
Will this affect my credit score?
No, but having long term debt could mean that you’re more at risk of running into financial difficulties in the future.

Unfortunately our Buy Now Pay Later sales are only for UK residents at the moment. You can follow our Facebook for future updates.