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Finance Terms and Conditions

Finance Terms & Conditions

How to Apply

Please select Finance as your preferred payment method where you will be redirectly to payment provider “Pay4Later” to complete your finance application. You will then required to fill in your details accordingly and they will assess your credit application.

Qualifying For Credit

Pay4Later will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application. We ask that you have a good credit history with no history of late repayments or payment issues.

How Much Can I Borrow?

The maximum lending amount in additional to the upfront deposit is £5,000 (total purchase price of £7,500 with 50% deposit).

Is a Deposit Required?

A deposit is required on all orders and depending on the finance plan selected ranges from 10%, 20%, 30%, 40% and 50%.

How Are My Monthly Payments Made?

Your monthly repayments will be taken via direct debit from your chosen bank account.

What Products Can I Buy On Finance?

You are able to purchase all our products through the finance options available, subject to reaching the finance thresehold of £400 or above

What Length Of Repayment Is Available?

You can select 6, 10, 12, 18, 24, 36 or 48 months repayment options depending on the finance plan selected.

Can I Pay Off My Loan Early?

Yes, please contact Close Brothers Retail Finance directly 0844 880 6541 in order to make additional payments. Please note that interest rates will be adjusted accordingly.

Standard Information and Regulatory Status of P4L and Close:

Consumer Credit Service is provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by Financial Conduct Authority (Consumer Credit Licence: ). For more information please refer to our frequently asked questions or visit

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit

Representative example of credit:

Total Product Value - £749.99
Less deposit (50%) - £375.00
Amount of credit - £375.00
Payable by 12 monthly instalments of - £31.24
Other Charges - £0
Total amount payable APR typical 0% - £749.99