Applying for an instalment plan is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history – (no late payments, CCJ’s, etc) – and meet the following minimum criteria:
- Be over 18 years of age
- Be a UK Resident for at least 3 years
- Have a UK bank account that can accept direct debits
- Have credit or debit card registered to your home address
- Have a stable income whether through permanent employment or other means (e.g. pension, Disability Allowance, etc.)
- Be OK for there to be a credit check performed when you submit your application
Please note: Delivery must be to the address you put on the finance application, which must be the same as your billing address of the bank account you’re applying with.
Yes, to be able to apply for finance, your purchase must be £280 or over
No, the Divido application process is 100% paperless. You will simply need to provide your credit card information, but there will be no need to present the actual card at any point.
During Divido’s secure application process you will be asked to provide some basic personal details such as your marital, residential and employment status. You will also need to have your bank account handy and possibly your credit or debit card information for deposit and ID verification.
You have the right to withdraw from your finance agreement. In a retail store environment this is 14 days following receipt of goods, in all other sales channels (online or telephone orders) this is 15 days following dispatch of your order. You will still be in a contract of purchase for the goods.
Should you wish to cancel your finance agreement please contact us to arrange alternative payment or to arrange safe return of goods according to the Vertical Leisure Ltd. returns policy which can be viewed here.
Vertical Leisure Ltd. acts as a credit intermediary. Finance options are provided by Divido Financial Services Limited in association with Omni Capital Retail Finance Limited who is authorised and regulated by the Financial Conduct Authority.
Divido Financial Services Limited Registered office: 35-37 Ludgate Hill, London EC4M 7JN, United Kingdom
Vertical Leisure Ltd. Registered office: Ramon Lee Ltd., 93 Tabernacle Street, London, EC2A 4BA, United Kingdom
Omni Capital Retail Finance Limited Registered office: 10 Norwich Street, London, EC4A 1BD, United Kingdom
Finance available subject to age and status. Terms and conditions apply. UK residents and GBP Sterling transactions only.