Why use Zopa Bank?
Interest free instalments
Check eligibility, no effect on credit score
Repayment automatic
Quick and easy
Spread the Cost, Interest Free
Add items to your basket
Go to checkout and select Zopa Bank
Provide some personal details. If you are approved get instant credit decision
Pay first instalment
Your goods are on their way
FAQs
Are there limits on how much I can spend?
Zopa Bank interest free credit is available on products/services from £50 to £6000. Credit is available from 2 to 12 months. Credit offered is set by the retailer.
Who can apply for Zopa Bank interest free credit?
- Applicants must be aged between 18 and 75
- Be a permanent UK resident
- Have a valid debit or credit card
- Have a valid UK mobile number
- Have a valid email address
Will a credit check be performed?
Yes. A credit check is performed to assess your eligibility and affordability. Zopa Bank also has a quick check service so you can assess your eligibility for Zopa Bank credit that will not affect your credit file.
How do I make my monthly payments?
Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and three digit CV2. Payments will be collected automatically on the date your instalment is due.
Can I request delivery to an address other than my home address?
To guard against fraudulent applications, we are only able to deliver goods to your home address.
What if I would like to cancel/ return my order?
The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.
My application was declined. Now what?
We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your application was denied. Zopa Bank is not permitted to share application information with us.
Who can I contact if I need help?
For any questions related to Zopa Bank interest free credit please contact Zopa Bank by visiting www.zopa.com/retail-finance. For a full list of FAQs please click here.
Are there any fees or charges?
No. There are no APR or hidden charges. We do reserve the right to add late payment fees to your account in the event of you missing payments. This is all explained in your credit agreement before you electronically sign at the checkout process.
How can I manage my Zopa Bank account?
To manage your account and make payments, you can log in at accounts.dividebuy.co.uk
What if I need to change my delivery address from my billing address?
Zopa Bank will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply. To have goods delivered to another address, once you have placed your order and paid a first instalment, you need to contact Zopa Bank directly who will then notify us of the changes.
How can I contact Zopa Bank?
Email: customerservice@dividebuy.co.uk
Or via the live chat facility at zopa.com
Interest free credit agreements provided by Zopa Bank Limited trading as DivideBuy that are 12 months or less in duration are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Zopa Bank Limited trading as DivideBuy is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Credit is available to permanent UK residents aged 18+, subject to status. Any missed payments may affect your ability to obtain credit from Zopa Bank and other lenders. Please spend responsibly.
Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: Level 12, 20 Water Street, Canary Wharf, London E14 5GX.
Copyright © 2026 Zopa Bank Limited. All Rights Reserved.