How to apply
Add a product available on Finance to your shopping basket and click to checkout. You will be redirected to the Pay4Later website to complete your order.
Complete your details in their 100% secure checkout 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. You will need a good credit history with no history of late repayments or payment issues in order to qualify.
Is a deposit required?
Yes. A 10% deposit will be taken at the time you order.
How are my monthly payments made?
Your monthly repayments will be taken via direct debit from your chosen bank account.
Why products are available to buy on finance?
We have a selection of products from our gift range available to purchase independently on Finance, providing you with a great way to get the latest technology and gadgets for a low monthly cost without an associated mobile phone contract.
What length of repayment is available?
Loans are 24 months.
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: 0616240). For more information please refer to our frequently asked questions or visit www.pay4later.com.
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 www.closebrothersretailfinance.co.uk.
Representative example of credit:
Total Product Value - £300
Less deposit (10%) - £270
Amount of credit - £270
Payable by 24 monthly instalments of - £11.25
Other Charges - £0
Total amount payable APR typical 0% - £300