DivideBuy (New Pay Ltd / Deko Technology Ltd)

Also known as: DivideBuy; Deko; Newpay

DivideBuy is a UK BNPL and retail finance provider focused on interest-free credit for higher-value retail purchases. Deko and Newpay are related trading names within the NewDay Group ecosystem offering similar retail point-of-sale finance.

General guidance only. Information on this page is for general reference and should be verified with the company directly, via the FCA Register, or Companies House before relying on it. Ask Fin does not provide regulated financial, debt, or legal advice. Fields marked “Not verified” have not been independently confirmed.

Want to feel clearer about your money?

Ask Fin gives you simple tools for budgeting, spotting savings, checking possible benefit areas, exploring income ideas and building better money habits. General guidance only — not regulated advice.

Start with Ask Fin — £4.99/month

Contact details

Websitehttps://www.dividebuy.co.uk

PhoneNot verified

EmailNot verified

Registered addressNew Pay Ltd: Not verified (company number 14538337). Deko Technology Co. Ltd: Companies House number 09879059.

Visit DivideBuy (New Pay Ltd / Deko Technology Ltd) website ↗

Regulatory and company information

FCA Firm Reference NumberNote: DivideBuy credit is provided by NewDay Ltd (FRN 690292) and NewDay Cards Ltd (FRN 682417); Deko is a trading name of NewDay Technology Ltd.

FCA statusAppointed Representative / related to NewDay Ltd authorised entities

Companies House numberDivideBuy entity: Not verified. New Pay Ltd: 14538337. Deko Technology: 09879059.

Company statusActive

Parent companyNewDay Group

Check FCA Register ↗Check Companies House ↗

What they do

Main products and services

Interest-free Buy Now Pay Later; Instalment credit at retail; BNPL for higher-value purchases (e.g. jewellery, furniture, technology)

Trading names and group notes

Part of the NewDay Group. NewDay Ltd is registered at 7 Handyside Street, London N1C 4DA. Complex corporate structure with multiple related entities (DivideBuy, Deko, Newpay).

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

4.5

~3,731 reviews

Other review and social proof

Reviews.io: 3,863 reviews

Overall public sentiment

Positive — customers praise excellent service and ease of application. Some complaints about refund delays and slow email responses.

Review sources

https://uk.trustpilot.com/review/dividebuy.co.uk https://www.reviews.io/company-reviews/store/dividebuy.co.uk

Sources and checks

Source URLs

https://find-and-update.company-information.service.gov.uk/company/14538337 https://find-and-update.company-information.service.gov.uk/company/09879059 https://www.dividebuy.co.uk https://www.newpay.co.uk/about-us/

Date checked

2026-06-05

Want to feel clearer about your money?

Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.

Start with Ask Fin

£4.99/month. Cancel anytime.

Other Buy Now Pay Later companies

Klarna Bank AB (UK operations)

View details →

Clearpay Finance Limited

View details →

V12 Retail Finance Limited

View details →

← Back to all lender details