0% Interest available on sales over £500.00
We also offer our customers the opportunity of paying by installments on all jewellery that is for sale on our website above £375.00.
We offer a selection of competitive interest rates and deposit amounts.
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
- 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 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 and discount codes / voucher codes etc cannot be applied to items purchased with Pay4later finance option
Who provides finance?
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
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 £539.00 with a 50% deposit and payments at 0% over 6 months
- Finance Option:6 Month Interest Free (50% Deposit Only)
- Monthly payment:£44.91
- Number of Monthly payments:6
- Deposit You Pay Now:£269.50
- Load Amount To Be Repaid:£269.50
- Cost of Loan (Interest):£0.00
- Total Amount Payable (Including Deposit):£539.00
Frequently asked questions
When checking out, just fill out Pay4later's easy online apllication form and you can be approved
for up to £12,000 to use for the jewellery you wish to purchase. Use our Calculator to determine how much you can spend based on your monthly
payments. The minimum priced item with credit available is £375.00.
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 and subsequent monthly payments will be due every month for the length of your term on that day of the month.
Anything on our website. Please remember that the minimum order value for finance is £375.00
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.