Online Credit Facilities
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 our frequently asked questions or visit http://www.pay4later.com/.
Moneyway is a Trading name of Secure Trust Bank PLC. Secure Trust Bank is authorised and regulated by the Financial Services Authority, licensed by the Office of Fair Trading and a member of the Finance and Leasing Association. For more information please visit http://www.securetrustbank.com/.
Finance Examples
Please note: The MAXIMUM LOAN AMOUNT is £5000 (after deposit), eg with a 10% deposit, the maximum purchase value is £5555.55. Finance will not be offered where the cart value is above this amount
Selected products in our website are available to purchase via finance.
These products are marked with a small logo: Finance Select products with  , all other products with  and a full example is available to view on the product page itself.
Available finance packages may not be available equally on all products, for example, as our special offers are already discounted, we might not offer our best finance package where offers are selected.
Products in our site fall into four finance categories. The finance offered will be determined by whether your chosen product is a finance select product or a special offer.
Selecting multiple products may alter the finance package we can offer you and you should note that although a particular finance package is offered when viewing the product, it may not be offered when you select additional items that qualify in a different finance category.
The best finance package we can offer will be displayed when you review your shopping cart.
Current example requested for FINANCE SELECT, NON OFFER
See examples for:
FINANCE SELECT, NON OFFER
FINANCE SELECT, CURRENT OFFER
NORMAL PRODUCT, NON OFFER
NORMAL PRODUCT, CURRENT OFFER Finance available on your selected item(s), purchase price of £750
6 Months Interest Free Credit (0% APR) available when you spend over £499.95 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 0%
Number of monthly payments: 6
*Monthly Repayment: £112.50
Total amount payable: £750
Cost of Credit: £0
*Final payment may be slightly higher or lower than quoted
Interest Free is exactly that. No catch. You pay no more than the Cash Price of your goods.
Pay a small deposit and the balance is split over 6 equal monthly payments. No Interest... No Hassle!
A typical example is shown above.
10 Months Interest Free Credit (0% APR) available when you spend over £499.96 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 0%
Number of monthly payments: 10
*Monthly Repayment: £67.50
Total amount payable: £750
Cost of Credit: £0
*Final payment may be slightly higher or lower than quoted
Interest Free is exactly that. No catch. You pay no more than the Cash Price of your goods.
Pay a small deposit and the balance is split over 10 equal monthly payments. No Interest... No Hassle!
A typical example is shown above.
12 Months Interest Free Credit (0% APR) available when you spend over £499.97 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 0%
Number of monthly payments: 12
*Monthly Repayment: £56.25
Total amount payable: £750
Cost of Credit: £0
*Final payment may be slightly higher or lower than quoted
Interest Free is exactly that. No catch. You pay no more than the Cash Price of your goods.
Pay a small deposit and the balance is split over 12 equal monthly payments. No Interest... No Hassle!
A typical example is shown above.
18 Months Interest Free Credit (0% APR) available when you spend over £499.98 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 0%
Number of monthly payments: 18
*Monthly Repayment: £37.50
Total amount payable: £750
Cost of Credit: £0
*Final payment may be slightly higher or lower than quoted
Interest Free is exactly that. No catch. You pay no more than the Cash Price of your goods.
Pay a small deposit and the balance is split over 18 equal monthly payments. No Interest... No Hassle!
A typical example is shown above.
24 Months Interest Free Credit (0% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 0%
Number of monthly payments: 24
*Monthly Repayment: £28.13
Total amount payable: £750
Cost of Credit: £0
*Final payment may be slightly higher or lower than quoted
Interest Free is exactly that. No catch. You pay no more than the Cash Price of your goods.
Pay a small deposit and the balance is split over 24 equal monthly payments. No Interest... No Hassle!
A typical example is shown above.
Low Rate Credit 36 Months (4.9% APR) available when you spend over £499.94 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 4.9%
Number of monthly payments: 36
*Monthly Repayment: £20.17
Total amount payable: £801.12
Cost of Credit: £51.12
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 36 is a no nonsense, straight forward, interest bearing personal loan at a subsidised interest rate which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low APR of 4.9%.
A typical example is shown above.
20 Months Interest Free Credit (0% APR) available when you spend over £499.99 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 0%
Number of monthly payments: 20
*Monthly Repayment: £33.75
Total amount payable: £750
Cost of Credit: £0
*Final payment may be slightly higher or lower than quoted
Interest Free is exactly that. No catch. You pay no more than the Cash Price of your goods.
Pay a small deposit and the balance is split over 20 equal monthly payments. No Interest... No Hassle!
A typical example is shown above.
Finance available on Finance Select Offers with a purchase price of £750
Classic Credit 12 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 12
*Monthly Repayment: £61.87
Total amount payable: £817.44
Cost of Credit: £67.44
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 12 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 12 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Classic Credit 24 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 24
*Monthly Repayment: £33.68
Total amount payable: £883.32
Cost of Credit: £133.32
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 24 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 24 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Classic Credit 36 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 36
*Monthly Repayment: £24.38
Total amount payable: £952.68
Cost of Credit: £202.68
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 36 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Finance available on Normal Products (Excluding Offers) with a purchase price of £750
Classic Credit 12 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 12
*Monthly Repayment: £61.87
Total amount payable: £817.44
Cost of Credit: £67.44
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 12 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 12 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Classic Credit 24 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 24
*Monthly Repayment: £33.68
Total amount payable: £883.32
Cost of Credit: £133.32
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 24 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 24 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Classic Credit 36 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 36
*Monthly Repayment: £24.38
Total amount payable: £952.68
Cost of Credit: £202.68
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 36 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Finance available on Normal Offer Products with a purchase price of £750
Classic Credit 12 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 12
*Monthly Repayment: £61.87
Total amount payable: £817.44
Cost of Credit: £67.44
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 12 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 12 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Classic Credit 24 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 24
*Monthly Repayment: £33.68
Total amount payable: £883.32
Cost of Credit: £133.32
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 24 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 24 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
Classic Credit 36 Months (19.5% APR) available when you spend over £500.00 on selected products
Price of Goods: £750.00
Less Deposit (10%): £75.00
Loan amount: £675.00
APR: 19.5%
Number of monthly payments: 36
*Monthly Repayment: £24.38
Total amount payable: £952.68
Cost of Credit: £202.68
*Final payment may be slightly higher or lower than quoted
For customers who prefer to opt for a traditional credit package, our Low Cost Classic Credit offers the ideal solution. Classic Credit 36 is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low APR of 19.5%.
A typical example is shown above.
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