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Tel. 01242 513580 | Open 6 days a week 9.30am-5.30pm Mon-Sat and closed Sun
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Interest Free Credit

Interest Free Credit

Interest Free Credit on order totals over £250

What is Interest Free Credit from Pay by Finance?

Pay4Later Interest Free Credit (0% typical APR) is a loan that can be applied for purchasing an item on our website. The finance is interest free, which means that you will pay no interest on the amount borrowed. You pay a deposit now and settle the balance over an agreed period by direct debit.

What are the benefits of taking out Interest Free Credit?

Pay4Later Interest Free Credit (0% typical APR) allows you to spread the cost of the payment of the goods over a period of time. This means that you can pay a set amount over a number of months, instead of paying the lump sum up front.

How does Interest Free Credit Work?

Pay4Later Interest Free Credit (0% typical APR) allows you to spread payments over 6, 9, 12, 18 or 24 months. Here is an example of how much you would pay on a £3,600 watch on 12 months Interest Free Credit: Cash Price £3,600 Less deposit (minimum 10%) £360 Amount of credit £3,240 Payable by 12 monthly instalments of £270 Other Charges £0

Total amount payable APR typical 0% £3,600

Can Interest Free Credit be taken out on any of the products online? Yes

Interest Free Credit can only be applied for on an order total with a value above £250. Interest Free Credit is unavailable on the purchase of any sale items. Discount and promotional codes cannot be used in conjunction with Interest Free Credit related purchases. We apologise for any inconvenience that this may cause.

Can I apply for Interest Free Credit?

If you are aged over 18, you can apply for interest free credit. To be accepted for finance, you have to meet Pay4Later Consumer Finance’s criteria.

Who is the credit provider?

Consumer credit service provided by Pay4Later in association with Moneyway. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please refer to

Moneyway is a trading name of Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

How do I apply for Interest Free Credit?

Once you have chosen the goods to purchase, you will be presented with your preferred payment option. You can either choose to ‘Pay by Card’ or ‘Pay4Later’ option.

Once you have chosen the payment term, you will be taken to the Pay4Later website to complete the application.

Once approved, you will be required to check the e-signature box to sign the credit agreement and submit the application.

When will I be notified if I have been accepted for finance?

Once completed a decision is returned in around 10 seconds.

If your application is declined and you feel unhappy about the decision, you can write to Pay4Later and request further details about your application at:

Customer Services Pay4Later 133 Houndsditch London EC3A 7BX

Please clearly state the reason that you are writing and provide your name, address and postcode.

When will the first monthly payment be due?

Once you have completed the application, your first repayment will be taken by Direct Debit approximately 30 days from your receipt of the goods.

Who do I contact for more information about Interest Free Credit?

If you have a question about Pay by Finance, you can call us on 01242 513580 we are open 7 days a week 9.30am-5.30pm Mon-Sat, 11am-4pm Sun. Alternatively, you can email us at

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