Finance Payments via Pay4Later
0% Interest available on sales over £400
We offer our customers the opportunity to pay by installments, applicable to all stoves and accessories we sell on our website at a value over £400. Our interest rate is 0% and deposit amount is typically only 10%.
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. 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.
The following example is based on a purchase of £400.00 with a 10% deposit and payments at 0% interest over 6 months.
|Finance Option:||6 Month Interest Free 10% Deposit|
|Number of monthly payments:||6|
|Deposit you pay now:||£40.00|
|Loan amount to be repaid:||£360.00|
|Cost of loan interest:||£0.00|
|Total amount payable including deposit:||£400.00|
Who provides finance?
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
When checking out, just fill out Pay4Later's easy online application form and you can be approved for up to £12,000 to spend on any stove or accessory you wish to purchase. The minimum order value to pay by finance is £400.
In order to apply for finance you will need to have the following information to hand:
The finance application is completed in the following order:
1. Confirmation that you are eligable for finance.
2. Prompted for your consent to perform a credit search.
3. Complete personal details, including residential status, DOB etc.
4. Complete address details
5. Complete employment status
6. Enter bank details (where your finance payments will be taken)
7. Review the pre-filled direct debit mandate.
The finance application will now require a digital signature on the credit agreement, and your deposit will need to be paid via credit or debit card*
*The deposit is only payable if your application is successful.
Yes, a minimum 10% deposit will need to be paid upon acceptance.
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.
Any but please remember that the minimum order value for finance is £400.
In the checkout you can select from two options. 0% over 6 months or 0% over 12 months.
You can apply on our website. Simply follow the checkout process and select either the 6 or 12 month finance as a payment method.
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.