We offer our customers the opportunity to pay by instalments, applicable to all products we sell on our website at a value over £350. Our selection of interest rates and deposit amounts is very competitive.
Applying for finance is fast and easy. Complete the credit agreement, sign it online and get an instant credit decision. Upon acceptance, pay your deposit and you're done.
HOW TO APPLY
You can apply for credit by selecting this method of payment at the final stage of the checkout process, or you can apply in-store. It only takes a couple of minutes and you'll get an instant decision.
QUALIFYING FOR CREDIT
- You must be over 18 years of age.
- You must be a UK resident with at least 3 years' continual address history.
- You must be in full-time employment, unless you are retired or a house person with a spouse in full-time employment.
- You must have a UK bank account capable of accepting direct debits.
- The goods must be delivered to your home address.
- Please note that discount/voucher codes cannot be applied to items purchased with the Pay4Later finance option.
WHO PROVIDES THE FINANCE?
Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Pay4Later act as a credit broker and not a lender. Pay4Later can introduce you to a limited number of finance providers.
HOW MUCH CAN I BORROW?
When checking out, just fill out Pay4Later's easy online application form and you can be approved for up to £15,000 to spend on the products you wish to purchase. The minimum order value to pay by finance is £350.
IS A DEPOSIT REQUIRED?
Yes, a minimum 10% deposit will need to be paid upon acceptance depending on the finance package used. The deposit can be increased up to a maximum of 50%.
HOW ARE MY MONTHLY PAYMENTS MADE?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement. Subsequent monthly payments will be due every month for the entire length of your repayment period, usually on the same day of the month.
WHAT PRODUCTS CAN I BUY ON FINANCE?
Anything on our website or in our shop. Please remember that the minimum order value for finance is £350.
WHAT LENGTH OF REPAYMENT IS AVAILABLE?
You can choose a 12, 24, 36 or 48-month loan repayment period. Our 12 month loan period is interest free. Our 24, 36 and 48 month loan periods will incur interest payements.
HOW DO I APPLY?
You can apply on our website. Simply follow the checkout process and select Pay4Later as a payment method. Alternatively you can apply in our shop using a computer which is private and secure.
CAN I PAY OFF MY LOAN EARLY?
You can settle your loan agreement at any time. Simply contact Pay4Later and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.
Consumer credit service provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit http://www.pay4later.com/.
Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority. For more information please visit http://www. closebrothersretailfinance.co.uk/
Please Note Missing Payments If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again from us or another lender. We may also take legal action against you and may apply for a charging order over your home