In January I purchased a boiler through BOXT. And I stress the word PURCHASED because paid in full, I never requested any finance at any stage. Since the day after, I have been constantly receiving... See more
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Refused interest free loan of £52 50 per month for 12 months via Aqualisa showers. I'm a Male full time worker on >£40k, house owner and Experian score of 999! Never been refused loan ever! Total hous... See more
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I have impeccable credit (which I check regularly) have probably what is deemed as a high income; applied for interest free credit over 12 months. Instantly declined with no explicable reason. So... See more
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Wise budgeting: So often we put off purchasing a much need item due to thinking "I must first put the money aside" and then never getting around to doing so. Divido provided us with opportunity to... See more
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Company details
Written by the company
If you are a consumer with feedback or a question, please contact the retailer or lender directly, as only they will be able to help you. Divido is a software platform licensed by over 1,000 retailers and lenders around the world to offer consumers the option to spread the cost of a product or service. Our retailers and lenders will be happy to discuss your feedback and answer your questions directly if you reach out to them.
Contact info
35-37 Ludgate Hill, EC4M7JN, London, United States
- csm@divido.com
- divido.com
Poor facility- avoid
I have impeccable credit (which I check regularly) have probably what is deemed as a high income; applied for interest free credit over 12 months. Instantly declined with no explicable reason.
So my credit score, has taken a dent for no reason. Paid for the goods on credit card, which will be paid off in a few months- wish I did this in the first place.
Thanks for nothing.
September 8, 2020
Unprompted review
Reply from Divido
Hi Viv,
Sorry to hear that you feel disappointed at the lender that declined your application, completely understandable.
If you want to know why you got declined, you have to ask the retailer who your lender was and get in contact with that lender.
To protect your privacy, neither Divido nor the retailer can see the reason why your application got declined by the lender, which is why you have to ask the lender yourself.
Meanwhile, we can give you some general feedback if helpful:
The most common reason why people get surprised when they are declined credit is because they have not reviewed their credit rating that day. Credit ratings fluctuate day-to-day for a number of reasons; the total amount of credit you are using, recently lost or had a reduction in income, moved house, missed payments, been a victim of identity theft etc. Another reason people get declined is that they did not complete the application correctly or that their identity could not be verified, this will in most cases lead to an automatic decline.
There are three main credit rating bureaus in the UK; Experian, TransUnion and Equifax. As lenders can use any of them you have to check your credit rating with all of them before making a credit application if you want to avoid surprises.
If you are concerned about this application leaving a negative mark, do review your credit history with each of the credit rating bureaus. If you can not see any references to this transaction, the application did not leave a mark on your credit history.
If you do see a negative mark, and think it is unfair, you can ask to have it removed through the credit rating bureau, either online, by mail or over the phone. You have 60 days to request a free copy of the credit report used in the decision, to see if there are any errors on your credit file that can be disputed. Credit bureaus have 30 days to investigate and respond to your credit report dispute, or 45 days if you send additional proof during the investigation period.
Regards,
Team Divido
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Incredibly disappointed!
Incredibly disappointed!
Credit refused for 50£ pcm for a laptop over 09months when have excellent credit score and good salary.
Absolutely don't recommend! Ruined my credit score for nothing.
August 16, 2020
Unprompted review
Reply from Divido
Hi Joana,
Sorry to hear that you feel disappointed at the lender that declined your application, completely understandable.
If you want to know why you got declined, you have to ask the retailer who your lender was and get in contact with that lender.
To protect your privacy, neither Divido nor the retailer can see the reason why your application got declined, which is why you have to ask the lender yourself.
Meanwhile, we can give you some general feedback if helpful:
The most common reason why people get surprised when they are declined credit is because they have not reviewed their credit rating that day. Credit ratings fluctuate day-to-day for a number of reasons; the total amount of credit you are using, recently lost or had a reduction in income, moved house, missed payments, been a victim of identity theft etc. Another reason people get declined is that they did not complete the application correctly or that their identity could not be verified, this will in most cases lead to an automatic decline.
There are three main credit rating bureaus in the UK; Experian, TransUnion and Equifax. As lenders can use any of them you have to check your credit rating with all of them before making a credit application if you want to avoid surprises.
If you are concerned about this application leaving a negative mark, do review your credit history with each of the credit rating bureaus. If you can not see any references to this transaction, the application did not leave a mark on your credit history.
If you do see a negative mark, and think it is unfair, you can ask to have it removed through the credit rating bureau, either online, by mail or over the phone. You have 60 days to request a free copy of the credit report used in the decision, to see if there are any errors on your credit file that can be disputed. Credit bureaus have 30 days to investigate and respond to your credit report dispute, or 45 days if you send additional proof during the investigation period.
Regards,
Team Divido
No way of checking who declined and why. Terrible service
I can’t understand why I was declined credit when I am employed with a good disposable income and credit record. Applied for 6 months interest free credit for convenience and now will have this negative blot on my credit history. I have no idea who the lender was who declined my credit and Divido provide no details nor do they answer emails, so how do I get to query this?
My advice - don’t waste your time. Have now paid cash for the purchase, should have done that from the beginning.
August 11, 2020
Unprompted review
Reply from Divido
Hi Ed,
Divido is a software company licenced by retailers and banks, as such we do not provide support to consumers.
If you want to know why you got declined, you have to ask the retailer who your lender was and get in contact with that lender.
To protect your privacy, neither Divido nor the retailer can see the reason why your application got declined, which is why you have to ask the lender yourself.
Meanwhile, we can give you some general feedback if helpful:
The most common reason why people get surprised when they are declined credit is because they have not reviewed their credit rating that day. Credit ratings fluctuate day-to-day for a number of reasons; the total amount of credit you are using, recently lost or had a reduction in income, moved house, missed payments, been a victim of identity theft etc. Another reason people get declined is that they did not complete the application correctly or that their identity could not be verified, this will in most cases lead to an automatic decline.
There are three main credit rating bureaus in the UK; Experian, TransUnion and Equifax. As lenders can use any of them you have to check your credit rating with all of them before making a credit application if you want to avoid surprises.
If you are concerned about this application leaving a negative mark, do review your credit history with each of the credit rating bureaus. If you can not see any references to this transaction, the application did not leave a mark on your credit history.
If you do see a negative mark, and think it is unfair, you can ask to have it removed through the credit rating bureau, either online, by mail or over the phone. You have 60 days to request a free copy of the credit report used in the decision, to see if there are any errors on your credit file that can be disputed. Credit bureaus have 30 days to investigate and respond to your credit report dispute, or 45 days if you send additional proof during the investigation period.
Regards,
Team Divido
Quick for response on credit…
Quick for response on credit application
I need to my agreement but it’s nowhere to be found? I can’t even login anywhere to view online. Dividio seeing as though your not answering your calls please contact me to tell me where my agreement can be found
January 22, 2020
Unprompted review
Reply from Divido
Hi Ellie
Sorry to hear about your frustration here!
We do not offer support to consumers by email or phone, it is very unfortunate if this had not already been made clear to you.
Divido is a software platform licensed by over 1,000 retailers and lenders around the world to help them connect with each other.
If you want to give feedback or have a question about your credit application, please contact the retailer or lender directly, as only they will be able to help you.
Regards,
Divido
great. but
fantastic and easy, however i would have loved a pdf confirmation of the contract.
I am unsure about the direct debits as i have payed the deposit but the direct debit has not shown up on my bank account yet
January 10, 2020
Unprompted review
Reply from Divido
Hi AJ C,
Divido is a software platform licensed by over 1,000 retailers and lenders around the world to help them connect with each other.
If you want to give feedback or have a question about your credit, please contact the lender directly, as only they will be able to help you.
Regards,
Divido
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Great to have 0% finance however…
Great to have 0% finance however following the acceptance of my application I received no communication confirming this. Nor did I receive any information on when my direct debit would be taken out. Contacted them via email with no response as I write this 4 days later and tried calling multiple times with no answer.
January 3, 2020
Unprompted review
Reply from Divido
Hi Megan,
We do not offer support to consumers by email or phone, really sorry if this had not already been made clear to you.
Divido is a business software licensed by over 1,000 retailers and lenders around the world to help them connect with each other.
If you want to give feedback or have a question about your credit, please contact the retailer or lender directly, as only they will be able to help you.
Regards,
Divido
Who are these people?
Refused interest free loan of £52 50 per month for 12 months via Aqualisa showers. I'm a Male full time worker on >£40k, house owner and Experian score of 999! Never been refused loan ever! Total household income approx £80k. This had better not affect my credit score.
November 29, 2019
Reply from Divido
Hi Edloon,
We are sorry to hear that you are disappointed, we understand!
It is not Divido that decides who will be approved, and who will be declined, for credit.
Divido is a business software licensed by over 1,000 retailers and lenders around the world to help them connect with each other. It is always a lender that decides who will be approved, and who will be declined, for credit.
If you want to give feedback or have a question about your credit application, please contact the retailer or lender directly, as only they will be able to help you.
Regards,
Divido
Recently purchased an eve sleep…
Recently purchased an eve sleep mattress (26-8-19)and decided to take 0% finance . Divido had taken a deposit for the finance which they had taken twice . I called them up the following morning and spoke to them about it to which at the time it had not cleared so they couldn't do anything and asked me to call back when it had cleared. I checked this morning (30-8-19) to see If it had cleared so i could call them back and to my surprised it had cleared and the second deposit had already been returned ! Overall the customer service was great and the company clearly has its priority set right .
August 30, 2019
Unprompted review
Reply from Divido
Robert, thank you - great to hear! Hope you're still enjoying your mattress!
Shopify: Great app, rocky installation
After a rocky initial installation of the Shopify integration. Support staff has fixed the issues.
Only reason not giving this 5 star is the lack of clarity on documentation for the install.
June 13, 2019
Unprompted review
Reply from Divido
Hi Art, thanks for your feedback - since your post we have updated all our API and integration documentation to make it easier for everyone!
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Retailers - be very careful!
Be very careful - as a retailer!
As a retailer be very careful using Divido as a credit provider. They approached us, worked with us for 2 years, and then changed strategy and dropped us like a stone....and in the wind down period we got a much higher occurrence of failed credit applications, which was damaging for the business and brand.
May 16, 2019
Reply from Divido
Dear Adam,
Thank you for your review and we are sorry about your experience.
Divido is not a credit provider − we are a technology company that connects lenders and retailers. We are regretful that the lender providing your finance has decided to terminate your agreement due to a strategic change. Please know that as a technology provider we have tried our best to source a suitable alternative from our panel of lending partners but have been unsuccessful in finding a provider that would match your business.
We wish you all the best,
The Divido Team
Excellent service from Charlotte
Excellent service from Charlotte
Thank you very much
Karine Jim
November 8, 2018
Unprompted review
Overall good friendly service
Overall good friendly service. A customer had some trouble putting through payment but the online chat team helped us through it quickly and efficiently! :)
October 9, 2018
Unprompted review
Straight Forward Application with Great Service.
The online process was very straight forward and quick. Finance was approved within minutes. Great service from Charlotte, very efficient and excellent phone manner. Dealt with my queries promptly & efficiently via the online chat tool. Recommended company.
August 3, 2018
Unprompted review
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Excellent Customer Service.
After almost applying twice for finance due to a dicky PC the support staff sorted everything out for me quickly. Cannot fault the customer service!
June 6, 2018
Unprompted review
Reply from Divido
Dear Robert
thank you for your lovely review, we are glad to hear our team helped you over come the PC issues and sort things quickly.
Best wishes
The Divido Team
Much Appreciated
A much appreciated, and very friendly service. Diligent and easy to navigate. Communication from and with Gustaf and Charlotte was smooth and simple as we processed some additional questions to complete the assessment. I especially appreciated the responsiveness of the team given the bank holiday Sunday on which this transaction took place. The signing process was a little challenging due to low vision as all documents are presented in image form, but the important docs were also supplied as PDF by email. If I hadn't had a friend on hand to read the final code, I know I could have quickly emailed for an alternative signing solution. I'd definitely recommend Divido to others.
May 7, 2018
Unprompted review
Reply from Divido
Hi Abby
Thank you for such a lovely review, we are very happy to hear that you have had such smooth and simple communication from Gustaf and Charlotte and that you would recommend us. We will take your feedback on board too!
Best wishes
The Divido Team
James is a star!
James Holland is amazing and helped me through the process with skill and expertise and when things got tough, he sure got going and sorted them out. When we couldn't work out how to get my paperwork signed off he phoned me in person to go through the options. He was thoughtful, cconsiderate and efficient over, above and beyond. Give him a pay rise please he surely deserves it.
Many thanks
Sarah Hand
May 3, 2018
Unprompted review
Reply from Divido
Dear Sarah
Thank you for such a great review, we are super pleased that you found James to be above and beyond; he really is a star! We will definitely take your feedback on board and hope too that you enjoy your purchase
All the best,
The Divido Team
Best nights sleep!!
Was a little of scared of buying a mattress which I’ve never tried first before but honestly it couldn’t be any better. The thought of trying then sending back put me off a little bit since my first night it ain’t going anywhere but on my bed.
April 25, 2018
Unprompted review
Reply from Divido
Dear Peter
Thank you for your review, we are so glad to hear that you love your purchase!
All the best,
The Divido Team
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Used Divido to purchase a Simba…
Used Divido to purchase a Simba matress. Simple application process and agreed the finance in a few web pages taking little time to complete
So far no problems and I can recommend.
April 20, 2018
Unprompted review
Reply from Divido
Dear Simon
We are great to hear that you found our process simple and that you had no problems. We hope you are enjoying your purchase!
All the best
The Divido Team
Quick and easy to use
Quick and easy to use, decision immediately, Great experiance
April 19, 2018
Unprompted review
Reply from Divido
Dear Jason
thank you for your great review, we are really pleased you had such a great experience!
All the best,
The Divido Team
Reply from Divido
Dear Dee
Thank you for giving us 5 stars, we are very happy to hear that you found it easy to apply for the finance - that really is our goal!
All the best,
The Divido Team
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