0% Finance Terms and Conditions

0% Interest Free Credit – Total Order Value over £500

Garden Gift Shop recognises that interest Free Finance is a regular consideration or request when purchasing products for your garden with a total order value over £500. After considerable thought we have decided to team up with the best provider to offer you this facility. The system provided by Divido is a trusted secure online credit application service that offer finance options when you buy items with a total order value over £500 from us. Why not take advantage of this fantastic offer we have been able to build into our website?

Please note – Garden Gift Shop (legal name Callow Retail Ltd) only acts as a credit intermediary and only offers credit products for Divido.

Please see our general Terms & Conditions

Simple Application – Online Decision in Seconds

Apply online and have your application approved within seconds. The application process is simple, takes around 5 minutes for you to complete, and you will receive a decision within 10-20 seconds of completion. We will process your order immediately and you can have it delivered free of charge to your door – we will need to make arrangements for delivery and do not dispatch the order without speaking to you first.

Your first payment instalment will be collected by direct debit 30 days after delivery. Keep paying monthly instalments or pay off the full amount at any time.

Divido Finance Provider

We offer the following Finance Options:

• 6 months Interest Free Credit

• 12 months Interest Free Credit

• Please note credit is subject to age and status

To apply for Finance you must be:

• Over 18 years old

• 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:

• Choose the products you would like to buy - add your products to your shopping basket as normal

• When you get to the checkout please select “Pay with Finance” & and then click APPLY FOR FINANCE

• You are then taken to Dividos application screen where you can follow the short steps to enter details required.

• Once completed, you will normally get a decision from the finance company instantly - sometimes they refer you for a decision, but it should still be a fast process.

• The last step is to complete the e-signature and your application is complete.

Once completed, you will receive an order confirmation from Gardengiftshop.co.uk and we will start the process of delivering your order. Note until the application is complete and signed by you, your order will not be dispatched.

Please note, we can only deliver to the address used in the finance application.

As we cover the cost of the finance to enable you to have interest free options we cannot accept discount codes on orders using the interest free credit.

Please note - You have 14 days to cancel your credit agreement.

What happens if I am declined?

You will then be able to complete the purchase using the traditional means of payment. You can of course call us on 01522 704505 and we can process the order for you manually, no problem. 

About Divido

Divido Financial Services Limited (‘Divido’) is authorised and regulated by the Financial Conduct Authority. For more information, please visit: https://www.divido.com/

Or read the full Divido Terms and Conditions here: https://www.divido.com/legal/terms

If you have any question on 0% Interest Finance, then please call our office on 01522 704505