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Finance Information

Did you know you if your order total is £280 or over, you may qualify for finance?

There are no paper forms and no sending forms in the post. The finance application process only takes a few minutes and you get a decision instantly.

If your order total is £1000 or over, you may qualify for 0% finance.

For more information, call us on 01604 666 711

Frequently Asked Questions

Do I Qualify For Credit?

Pay4Later will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application. We ask that you have a good credit history with no history of late repayments or payment issues.

How Much Can I Borrow?

The maximum lending amount in additional to the upfront deposit is £25,000 (total purchase price of £50,000 with 50% deposit).

Is a Deposit Required?

A deposit is required on all orders and depending on the finance plan selected ranges from 10%, 25% and 50%.

How Are My Monthly Payments Made?

Your monthly repayments will be taken via direct debit from your chosen bank account.

What Type Of Car Parts Can I Buy On Finance?

You are able to purchase all of our car or van parts through the finance options available provided that the minimum required basket total is met.

What Length Of Repayment Is Available?

You can select 6, 12, 24 or 36 months repayment options depending on the finance plan selected:

                  6 month Interest free credit 50% deposit – 0% APR
                  12 month classic credit 25% deposit – 9.9% APR
                  24 month classic credit 25% deposit – 19.5% APR
                  36 month classic credit 10% deposit – 19.5% APR

Can I Pay Off My Loan Early?

Yes, please contact Close Brothers Retail Finance directly in order to make additional payments. Please note that interest rates will be adjusted accordingly.

Consumer Credit Service is provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit www.pay4later.com.

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit www.closebrothersretailfinance.co.uk.