Finance

Divido

Total Fishing Tackle has teamed up with the highly trusted secure online credit application service Divido to offer finance options when you buy from us.

Total Fishing Tackle acts as a credit intermediary and only offers credit products for Divido.

We offer the following packages:

6 months Interest Free Credit. See example on products.
12 months Interest Free Credit. See example on products.
18 month 9.9% APR Credit. See example on products.
24 month 9.9% APR Credit. See example on products.
36 month 12.9% APR Credit. See example on products.
48 month 12.9% APR Credit. See example on products.

Please note credit is subject to age and status.
To apply you must:
Be over 18,
Resident in the UK for 3 years,
Have a UK bank account that can accept direct debits,
Delivery must be to the address that you put on the finance application,
If you pay with finance your order must be delivered to your bank account's billing address.

The application process:

Add your items to your basket, your order total must be greater than £300 to apply for credit
When you get to the checkout please select 'Pay in installments with Divido' & and then click APPLY FOR FINANCE
You will then be taken to the application form to fill in your details
Fill this out and you will normally get a decision from the finance company instantly - sometimes they refer you for a decision but it should still be pretty quick.
If accepted you will then pay the deposit, deposits can be as little as 10%
Then complete the e-signature and your application is complete
Once complete you will receive an order confirmation from us and we'll start to process your order. Note until the application is complete and signed by you, your order will not be dispatched.
Please note that we can only deliver to the address that the finance application.

Please note: Any discount codes will not be accepted on the finance option.

Divide Buy

Spread the Cost of your purchases Interest-Free            

Reasons to use DivideBuy

  • No hidden fees and 0% interest APR
  • Spreading the cost of your order will not cost you a penny more than paying for it upfront.
  • 96% approval rate
  • If you don’t have a good credit history, we may still be able to offer you credit if you can provide a guarantor.
  • Quick application
  • Complete at checkout and receive a decision in less than 60 seconds.
  • No paperwork required
  • All documents are in digital format and signed using e-signature.

DivideBuy is an Interest-Free Credit provider in partnership with our retailers, bringing you 0% APR credit for selected products online.

You can Spread the Cost on one or multiple qualifying items simply by calling the DivideBuy team on 0800 085 0885.

Dependent on the value of the order, you can choose instalment options from 3 to 12 months. Your application has an immediate decision. Once approved, the retailer will process your order. The whole process of application, decision and order takes around 4 minutes.

  • View your credit agreement
  • View your instalment amounts and dates
  • Review your payment history
  • Exclusive offers
  • Quick checkout with hundreds of Retail Partners

To access your account or to find out more about DivideBuy, please visit us at www.dividebuy.co.uk. Alternatively, call our Customer Service Team who are available on 0800 085 0885.

FAQs 

What are the requirements for credit?

  • Be aged between 18 and 75  
  • Be a permanent UK resident and have lived at your address for longer than one year
  • Have a debit or credit card
  • Have a valid UK mobile phone number

Will a credit check be performed?

Yes. DivideBuy uses a third-party credit reference agency to perform a “soft” credit check. This does not leave a footprint on your credit history and therefore does not affect your credit score.

Will I have to pay a deposit?

No, however we will take your first instalment on completion of your order. You may have to pay an enhanced deposit based on a combination of your Callcredit credit score, the size of your order and the number of instalments you have selected.

How many instalments can I Spread the Cost over?

Depending on the total value of your order and the Retail Partner, you may be able to Spread the Cost up to 12 monthly instalments.

What happens if I want to end my agreement early?

DivideBuy offers the option to repay the remaining balance on your account at any point with no additional charges or fees to pay. You can do this by logging into your DivideBuy account on our website or by calling the Customer Service Team on 0800 085 0885.

Are there any other charges or fees?

There is 0% APR interest and no setup charges, cancellation or hidden fees. The price you see is the price you pay. DivideBuy reserve the right to add late payment fees to your account in the event of you missing payments, but this is all explained in your credit agreement before you complete the checkout process.

Instalment Plans are provided by DivideBuy (DivideBuy is a trading name of Rematch Credit Limited, company number 08097204. Credit subject to status and age. You may be asked to assign a guarantor if you have a poor credit history. Rematch Credit is authorised by the Financial Conduct Authority, registered number 626266.)