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Pay4Later Finance LogoWould you like to spread the cost of your purchase? If you are resident in the UK we can offer 0% finance plans on selected items over £390.00, the entire process is paperless and a decision will be made within 10 seconds of placing your order. Applicable items have a Pay4Later buy button on the product detail page, most items over £390.00 in value that are not marked as on sale or pre-owned are eligible for finance.

A minimum 10% deposit will be required, up to a maximum of 50%. Below is an example order using 12 months interest free credit, as well as a list of all the available 0% finance deals.

If you would like to spread the cost of an item that is not eligible for 0% finance please call us on 0800 977 4391 during working hours for alternative available plans and interest rates.


Value of order: £1,500.00
Deposit: £150.00 (10%)*
Loan Amount: £1,350.00
Loan Period: 12 Months
Monthly Repayments: 12 x £112.50

Total Amount Repayable: £1,350.00 at 0% APR.

* Indicates a minimum 10% deposit needs to be paid, up to a maximum of 50%.



  • 0% Finance - 6 Months
  • 0% Finance - 10 Months
  • 0% Finance - 12 Months
  • 0% Finance - 18 Months
  • 0% Finance - 24 Months
  • 0% Finance - 36 Months

Finance Criteria & Regulatory Information

Francis & Gaye Ltd, Unit 18, First Floor, West Orchards Shopping Centre, Coventry, West Midlands, CV1 1QX
Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. Finance is only available on products/orders over £390.00 that display a 'BUY Pay4Later' finance button on the product detail page, a minimum deposit of 10% will be required on acceptance of your finance agreement.

Close Brothers Retail 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 frequently asked questions or visit http://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 http://www. closebrothersretailfinance.co.uk/.

Please Note

Missing Payments - If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again from us or another lender. We may also take legal action against you and may apply for a charging order over your home.


Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Pay4Later act as a credit broker and not a lender. Pay4Later can introduce you to a limited number of finance providers.

Applying For 0% Finance

Its quick an easy, simply follow the steps below:

  • Click the 'Buy Pay4Later' black button underneath the blue 'ADD TO BASKET' button
  • Select your preferred finance option
  • Now select the percentage of deposit you would like to pay (minimum 10%)
  • After the above two steps you will be able to see how much it will cost you each month, if it is to much you can either spread the payments over a longer period or pay a larger deposit until you reach a figure you are comfortable with
  • If you are happy with the period and amount simply click the 'ADD TO BASKET' button
  • At this point you can either keep shopping or hover over the basket icon at the top right of the website and click 'CHECKOUT'
  • Once on the checkout page select the 'APPLY FOR FINANCE' button which is under the heading 'Alternative Payment Options...'
  • Now follow the on screen prompts (this should only take a couple of minutes), a decision will be made within 10 seconds of submitting the required information