0% Interest available on sales over £500
We offer our customers the opportunity to pay by installments, applicable to all jewellery we sell on our website at a value over £375. Our selection of interest rates and deposit amounts is very competitive.
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.
To see how much you can qualify for, simply use our Finance Calculator on the right.
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
Who provides finance?
- 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.
- Please note that discount/voucher codes cannot be applied to items purchased with the Pay4Later finance option.
Consumer credit service provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by The Office of Fair Trading (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 and licensed by the Office of Fair Trading. For more information please visit http://www.closebrothersretailfinance.co.uk
The following example is based on a purchase of £539 with a 50% deposit and payments at 0% interest over 6 months.
Frequently asked questions
- Finance Option:6 Month Interest Free (50% Deposit Only)
- Monthly payment:£44.91
- Number of monthly payments:6
- Deposit you pay now:£269.50
- Loan amount to be repaid:£269.50
- Cost of loan (interest):£0.00
- Total amount payable (including deposit):£539.00
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 the jewellery you wish to purchase. Use our Finance Calculator on the right hand side to determine how much you can spend based on the monthly payments. The minimum order value to pay by finance is £375.
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.
Anything on our website. Please remember that the minimum order value for finance is £375.
You can choose a 6, 12, 24, 36 or 48-month loan repayment period.
You can apply on our website. Simply follow the checkout process and select Pay4Later as a payment method.
Return to Help Index
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.