Finance by Divido

Clove Technology Finance by Divido

How do I apply?

Simply select “Pay Monthly” from the payment options at the end of our checkout page. Please note this option will only appear when "UK" is selected as the delivery address, eligible product(s) are included on the basket and the total order value is £250 or above.

After you select "Pay Monthly" you will a number of payment plan options, each with different timescales and monthly repayment amounts. Each option will include a Representative Example.

You will also have the option to select a deposit amount, up to 50% of your basket value, so long as the amount to be financed remains at least £250.

Once you have chosen a payment plan and deposit option, click the "Apply for Credit" button.

The second page will ask for your billing and shipping information. You can also log in or create an account with Clove Technology on this page. This information is stored by Clove Technology to process your order for the goods.

The third page will redirect you to the Divido website to make the finance application. The application process is simple. It will take around 5 minutes to complete and you should have a decision online in less than 30 seconds.

Are deposits required?

No deposits are required, although you may select a deposit up to 50% of your total basket value, so long as the total amount to be financed remains at least £250. You are able to finance your entire purchase. Your first monthly payment will not become due until 30 days after we have completed shipping your order.

Who is eligible for financing?

Applying for an instalment loan 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.) and meet the following minimum criteria:

  • Be a UK resident
  • Be over 18 years of age
  • Have 3 years of UK address history
  • Have a valid phone number and email address
  • Delivery address must be the address on your credit application (billing address)
  • Be in permanent paid employment of 16 hours per week or more, or
  • Be retired (including Medically Retired under the statutory retirement age) receiving a pension;
  • “Houseperson” living with a spouse or partner who is in paid employment or;
  • self-employed or;
  • in receipt of Disability Living Allowance or Personal Independence Payment

Who is offering financing for Clove Technology?

Financing options are offered through Divido Financial Services in association with Shawbrook Bank Limited. 

Divido Financial Services Limited (‘Divido’) is authorised and regulated by the Financial Conduct Authority (Permission Number 628253).

For more information, please visit

Finance is provided by Shawbrook Bank Limited who is authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority (FCA). Shawbrook Bank Limited will treat any Loan Agreement made through our introduction as being regulated by the Consumer Credit Act 1974 and as giving you the protections provided in respect of agreements which are regulated by that Act.

For more information, please visit:

Who is Shawbrook Bank?

Shawbrook Bank is an experienced team in personal lending. They are a responsible lender and will check that you can afford the loan before an agreement is made. This will include a detailed review of your income and expenditure. Shawbrook promise:

  • To act fairly and reasonably in their dealings with you
  • Provide a high quality of service

After my order is approved and processed, may I add to my cart or change delivery options?

Once you’ve completed your order through eFinancing, you will not be able to change the delivery speed or add a gift option.

Who do I contact if I have questions about my loan?

During the application process please contact Shawbrook

Telephone: 0345 850 9961


Opening Hours are:

  • Monday to Friday: 9am to 9pm
  • Saturday: 9am to 5pm
  • Sunday: Closed
  • Bank Holidays: 9am – 5pm (excluding Christmas Day, Boxing Day, or Easter)

Once your agreement is live please contact Shawbrook

Telephone: 0345 650 6290


Opening Hours are:

  • Monday to Friday: 9am to 9pm
  • Saturday: 9am to 5pm
  • Sunday: Closed
  • Bank Holidays: 9am – 5pm (excluding Christmas Day, Boxing Day, or Easter)

If my application is declined, what happens next?

You can still pay for your order by credit or debit card, or via PayPal.

Shawbrook will mail out a decline letter, providing all the initial information you might need.

Due to Data Protection, Shawbrook cannot deal with any initial telephone calls, so you will need to wait for the decline letter before contacting them to discuss anything.

You can contact Shawbrook Bank Limited:

By Post: Newport Administrative Centre, PO Box 852, Newport, NP209LJ

By Email:

Partial Returns or Refunds:

If any part of your Shawbrook Financed order is returned, or a refund or discount is to be applied after your loan application has been approved, the following will take place:

  • eFinance customer services will deal with your request
  • The maximum reduction is 15% of the original loan amount; if the reduction is greater than 15% then a new finance agreement is required or you can make alternative payment arrangements and cancel the original loan.
  • The remaining loan amount cannot be less than £250; if the remaining loan amount is less than £250 then the original loan will have to be cancelled and alternative payment arrangements are required

How do I change my bank details or payment date?

If you wish to change your bank details or your payment date please contact Shawbrook Bank customer services team on 0345 650 6290 (Monday through Friday 9 am – 9 pm, Saturday 9 am – 6 pm and closed Sunday and bank holidays which include Christmas, Easter, and Boxing Day).

Standard Terms of Sale for applies to your order when using Financing including handling of returns and cancellations

Interest rate and APR Information on our website about finance options provided by Shawbrook Bank Limited may state two figures, the “interest rate” and the “APR”. By law, both figures must be stated in the Loan Agreement and are shown in Representative Examples.

Interest rate

This means the annual rate of interest charged by the lender on the amount you borrow.


This stands for Annual Percentage Rate. It is calculated using a formula set down by law and is intended to indicate the overall cost of a loan. The APR takes into account the total amount of interest payable over the term of the loan and any other charges you have to pay. The APR will be higher than the interest rate unless the loan is "interest-free", in which case both the interest rate and the APR will be 0%.

Total charge for credit

This is the predicted total cost of your loan and will be stated in your Credit Agreement. It is calculated on the assumption that you will make your monthly repayments as they fall due. If you repay sooner, the actual total charge for credit you will pay should be lower; if you repay later, the actual total charge for credit you pay will be higher