Pay4Later Online Financing Solutions
To purchase using Pay4Later, add the item(s) to your cart and simply choose finance options when you are at the confirm order stage. Looking at the Product Detail Page below you will see that there a multiple options depending on the product you choose. It is possible to place multiple items into your shopping basket and then to select a finance product that fits your budget, this is done on the basket page of our site.
Who can apply for Finance?
- You must be at least 18 years old
- Employed a minimum of 16 hours per week.
- You must be a permanent resident in the UK and supply a UK Address history for the last 3 years.
- Have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies.
- Retired in receipt of a private or company pension.
If you select Pay 4 Later you will be directed to the Pay4Later site, this is where you will complete your finance application. If the decision is accepted you will be asked to confirm your order and pay your deposit.
The online application takes approximately 3 minutes to complete and the application is automatically sent to the finance company who will typically respond with their decision in around 10 seconds. Some applications may take a little longer to process, if for any reason an instant decision cannot be made, Pay4Later will send you an email the moment the finance company makes the decision.
Once you have been approved, we will be notified and process your order. We will inform Pay4Later once the goods have been despatched.
The goods must be delivered to the address provided on the finance application, we cannot offer the option ‘collect in store’. You will then receive confirmation from the finance company to confirm the repayment amount and the schedule.
How do I repay the loan?
Your monthly repayments are collected by direct debit.
Can I pay my loan of early?
You have the right to repay all or part of the credit early at any time.
Who are Pay 4 Later?
Pay4Later are an online finance gateway that links retailers and finance companies. Pay4Later works with reputable and established finance companies including Close Brothers Retail Finance, for more information please visit http://www.pay4later.com. Pay4Later are UK LIMITED Company licensed by the office of fair-trading.
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 style of Close Brothers Limited — a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Close Brothers may pay brokers some consideration if they introduce business to us.
Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. A minimum deposit of 20% is applied to online finance.
Production Room Ltd act as credit broker and not a lender.