Interest free credit agreements of 12 months or less are not regulated by the Financial Conduct Authority and are not subject to the jurisdiction of the Financial Ombudsman Service.

Finance is provided by Zopa Bank Limited, trading as DivideBuy. Lending is subject to your individual circumstances and satisfactory completion of Zopa Bank Limited’s credit checks. It is important that you do not take on more borrowing than you can afford. If you miss your repayments this may impact your credit rating and make it more difficult to obtain credit in the future. Lending is subject to Zopa Bank Limited’s terms and conditions.

Nectar Sleep Ltd (FRN 933430) is an Appointed Representative of Consumer Credit Compliance Limited who are authorised and regulated by the Financial Conduct Authority (FRN 631736). The permissions of Consumer Credit Compliance Limited as a Principal firm allow Nectar Sleep Ltd to undertake Credit Broking. 

Nectar Sleep Ltd act as a credit broker not a lender, we will introduce you to Zopa Bank Limited trading as Dividebuy and we do not earn a fee or commission for the referral. You will not pay more as a result of our commission arrangements.

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). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. VAT Number 281765280. DivideBuy's trading address is First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH. © Zopa Bank Limited 2024. All rights reserved.