0% Finance

A Great Fit, Made Affordable

Interest free finance available – split your purchase into flexible monthly payments with Divido.

We understand that a new saddle is an investment, but we don’t want you to have to wait for the perfect fit for you and your horse. We are now able to offer 0% finance packages over 6 or 12 months through our partner, Divido.

The application process takes around 5 minutes for you to complete, is carried out online and you will usually receive a decision within 30 seconds of completion. It is so simple you can even complete it in your stable!

Finance Calculator

You can use our finance calculator below to calculate your monthly payments. Just enter the full price of the saddle, select your deposit amount (min £400) and press enter.

Bowland GP Elite Saddle

Purchase price £1250
Deposit (50%) £625
Amount of credit £625
Total repayable £1250
Agreement duration 12 months
Monthly repayment £52.08 p/m
Rate of interest 0% per annum
Representative 0%APR

Am I eligible?

To apply you must:

  • Be over 18 years of age
  • Be a UK resident (for at least 3 years)
  • Be working at least 16 hours a week (or have alternative means of stable income eg a pension)
  • Have a UK bank account that can accept direct debits
  • Have a credit or debit card registered to your home address
  • Be prepared to have a credit check performed when you submit your application.

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).

Please note: Any delivered items must be sent to the address you put on the finance application, which must be the same as the billing address of the bank account you’re applying with.

How does it work?

Book a saddle fitting appointment with one of our fitters. We will help you to select the most suitable saddle.

We will help you to complete the lender’s online application form. It usually takes 30 seconds to find out your result.

Once approved, complete the ID verification, then review and sign your agreement with the lender electronically.

If your saddle is in stock we will take your deposit and you can take your saddle the same day.

If your saddle is made to order we will take a deposit, as usual, then return with your saddle when it is ready. Only when the saddle is ready and you are happy with it do you sign your credit agreement and start your monthly payments.

Frequently Asked Questions

What information will I need to provide?
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 details handy and possibly your credit or debit card information for deposit and ID verification.

Do I have to have hard copies of my documents or credit card on me?
The Divido application is 100% paperless however a method of payment will be required when we visit (to pay for your call-out and the deposit on your new saddle).

How long does the process take in total?
Once you decide you want to make a purchase on finance we will guide you through selecting a plan and then set you up to apply. A successful application process typically lasts 5-10 minutes from start to finish.

Further Questions?
Feel free to give us a call on 07939 537141 or send us an email on enquiries@ponycobandhorsesaddles.com, and we will be happy to answer any questions you might have.

About Divido

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

For any queries during the application process or when signing your credit agreement their Customer Service team will be happy to help either through their chat by pressing the help button, by phone on 020 3773 9510 and by email at support@divido.com.

Our lender is Shawbrook Bank Limited, Lutea House, Warley Hill Business Park, Great Warley, Brentwood, Essex, CM13 3BE.

Cancellations and Refunds

You have the right to withdraw from your finance agreement. Following a visit this is 15 days following signing of the credit agreement. You will still be in a contract of purchase for the goods. Please contact us to arrange alternative payment, or to arrange safe return of goods according to our returns policy.