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Spread the cost of your purchase over a year at no additional cost (Interest Free Credit), or opt for low monthly payments and take up to three years to pay it off (Low Rate Credit).

Interest Free Credit at 0%

Interest Free Credit is available:

  • for 6 months on purchases over £300 with a deposit from 15% to 50%
  • for 12 months on purchases over £500 with a deposit from 33% to 50%

Representative Examples of Interest Free Credit

Credit on £300 over 6 months £42.50 / month : 0% (Fixed)
Purchase Price
£300.00
Deposit
£45.00
Loan amount
£255.00
Monthly payment
£42.50
Agreement length
6 month
Total repayable
£300
Interest rate (fixed)
0%
0% APR Representative
Credit on £500 over 6 months £70.83 / month : 0% (Fixed)
Purchase Price
£500.00
Deposit
£75.00
Loan amount
£425.00
Monthly payment
£70.83
Agreement length
6 month
Total repayable
£500
Interest rate (fixed)
0%
0% APR Representative
Credit on £500 over 12 months £27.91 / month : 0% (Fixed)
Purchase Price
£500.00
Deposit
£165.00
Loan amount
£335.00
Monthly payment
£27.91
Agreement length
12 month
Total repayable
£500
Interest rate (fixed)
0%
0% APR Representative

Low Rate Credit

Low Rate Credit is available:

  • for periods from 12 to 36 months on purchases over £280 with a deposit from 10% to 50%

Representative Examples of Low Rate Credit

Credit on £500 over 12 months £41.31 / month : 19.9% (Fixed)
Purchase Price
£500.00
Deposit
£50.00
Loan amount
£450.00
Monthly payment
£41.31
Agreement length
12 month
Total repayable
£545.69
Interest rate (fixed)
19.9%
19.9% APR Representative
Credit on £500 over 18 months £28.76 / month : 19.9% (Fixed)
Purchase Price
£500.00
Deposit
£50.00
Loan amount
£450.00
Monthly payment
£28.76
Agreement length
18 month
Total repayable
£567.75
Interest rate (fixed)
19.9%
19.9% APR Representative
Credit on £500 over 24 months £22.52 / month : 19.9% (Fixed)
Purchase Price
£500.00
Deposit
£50.00
Loan amount
£450.00
Monthly payment
£22.52
Agreement length
24 month
Total repayable
£590.43
Interest rate (fixed)
19.9%
19.9% APR Representative
Credit on £500 over 36 months £16.32 / month : 19.9% (Fixed)
Purchase Price
£500.00
Deposit
£50.00
Loan amount
£450.00
Monthly payment
£16.32
Agreement length
36 month
Total repayable
£637.62
Interest rate (fixed)
19.9%
19.9% APR Representative
Finance Calculator
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FAQ

How can I apply for finance?

Paying with finance is now available as one of the payment options in checkout, to pay for the whole of your order. You can consider the options for finance, choose the plan and deposit amount you want, then when you confirm your order we’ll pass you straight to Pay4Later to make your application.

Will I qualify for finance?

Before your application is considered, you need to be able to answer 'yes' to these questions:

  • Can you afford the monthly repayments?
  • Are you over 18?
  • Do you work more than 16 hours per week?
  • Do you have a good credit history? (No late payments / debt relief orders / CCJs / IVA's / bankruptcies)
  • Are you a permanent UK resident?
Pay4Later will process your application. A credit check will be performed and your application assessed based on the check.

If your application is not successful, you can cancel your order or choose another method of payment.

Who provides the finance?

We are authorised by the FCA (Financial Conduct Authority) as a credit broker. Our consumer credit service is provided by Pay4Later in association with Omni Capital Retail Finance. Pay4Later is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to Pay4Later's frequently asked questions or visit http://www.pay4later.com/.

Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority, licensed by the Office of Fair Trading and a member of the Finance & Leasing Association. For more information please visit http://www.omnicapitalretailerfinance.co.uk/

Spread the cost of your order - choose the length of loan and how much to put down
Spend:£
Option:
Deposit:% £
Loan amount:£
Monthly repayment:£
Term: months
Total repayable:£
Rate of interest:% Fixed
% APR Representative
Available rates and deposits depend on spend. Apply for finance during checkout.

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