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Divido FAQs

What is Divido?

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

You can simply select Divido as a payment method during your checkout process and an application will usually take less than 30 seconds to show whether you will qualify.

How does Divido work?

Divido Ordering Process

How much will I pay?

When you reach checkout and select 'Divido' as a payment method, you will be able to see the available finance plans we are offering and the cost breakdown for each of those plans.

There is a minimum 10% deposit, but you can if you wish pay up to 75% to reduce the credit amount.

Am i eligible?

To apply for our finance offering you must:

  • Have a minimum order value of £1,000
  • Have a minimum income of £10,000
  • Be over 18 years of age
  • Be a UK resident fo at least 3 years
  • Have a UK bank account that can accept direct debits
  • Have a 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

Representative Example

0% finance over 12 months

Total Order Value £600
Deposit (10%) £60
Total Amount of Credit £540
Duration 12 Months
Representative APR 0%
Interest Charged £0
12 Monthly Payments of £45
Total Amount Payable £600

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

Finance Decision

Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information. 

Repaying the Loan

Your first direct debit payment will be taken around 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi.

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.

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 

Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. You will be offered the best rate available based on your personal credit history and Duologi's credit decision policies.

Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (company number 10664999) and authorised and regulated by the Financial Conduct Authority (register number 774712). For more information please go to or visit

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