Pay4Later is a retail finance provider, here to support you in making those purchases that matter most both easy and affordable.
At the online checkout please choose ‘Pay4Later’ as your preferred payment method. You will then be redirected to the payment provider to complete your finance application. You will next be asked to fill in your details and your credit application will be assessed.
Pay4Later will carry out the essential credit checks and check your references in order to confirm eligibility for the credit application. An application is more likely to be accepted if you have a good credit history without a record of payment issues or late repayments.
The maximum lending amount in addition to the upfront deposit is £25,000 (with a total purchase price of £50,000 with 50% deposit).
A deposit is required for all orders made using Pay4Later and depending on the finance plan you have selected, the deposit options range from 10% to 20% minimum deposit. However, you are able to pay a larger amount upfront should you wish to do so.
Monthly repayments will be taken via a direct debit set up with your chosen bank account.
You are able to purchase all our jewellery priced over £650 through the Pay4Later option.
Yes, you can repay your loan in part or in full at any time throughout the life of the agreement without incurring any additional fees. You will only pay interest on the outstanding balance up until the date it is paid off.
Yes, you can cancel this agreement within 14 days of receiving the goods. If you intend on keeping the items then you will need to settle the balance with an alternative method of payment.
Consumer credit service is provided by Pay4Later Ltd. Pay4Later is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to www.pay4later.com/consumerfaq or visit www.pay4later.com Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details
Total Product Value - £5,000
Deposit (50%) - £2,500
Amount of credit - £2,500
Payable by 10 monthly instalments of - £250
Other Charges - £0
Total amount payable APR typical 0% - £5,000