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Pay4Later Finance


In conjunction with Pay4Later SRS are able to offer our customers the ability to apply for simple finance facilities to fund a purchase from us.

Finance examples are displayed on the relevant products along with the options available, a minimum loan value of £250 applies (this can consist of multiple products).

Once Pay4Later accepts you, you will then be asked to eSign the credit agreement and once in receipt of your purchase, Pay4Later will make your agreement live and your monthly repayments will commence for the agreed term. In short retail finance gives you the flexibility to buy what you really want now, not just what you can afford today by spreading the cost of your purchase over a repayment period that suits your budget.

Finance Options Available

There are various credit options available ranging from interest free to 19.5%.

We require a minimum deposit of 10% on our Interest Free and Interest Bearing products.

Interest Free Credit

  • This is an interest free loan with no arrangement fees
  • You repay the loan amount through equal monthly payments spread over the chosen repayment period dependant on the products you choose.
  • Interest free is available on selected products only.

Interest Bearing Credit

  • This is an interest bearing loan with interest charged at the given APR, there are no additional arrangement fees.
  • You repay the loan amount and total interest spread equally over the chosen repayment period.

We can only consider your application if:

  • You are 18 or over, and employed at least 16 hours per week
  • You have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years.
  • Applications from students (unless employed at least 16 hours per week), unemployed and unemployed single house persons will not be considered.
  • Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

You need to pass a credit score when you apply. If you do not meet Pay4Later’s finance criteria you may be offered other finance product options. Meeting the criteria does not guarantee acceptance. Goods can only be delivered to your home address. If your application is accepted, the deposit must be paid by credit or debit card.

Pay4Later’s Terms of Service can be found here.

Pay4Later’s Privacy Policy can be found here.

Pay4Later’s FAQs can be found here.

Processing time

With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may contact you for further information. For in store applications you can usually wait in the shop whilst the underwriters review your application.


For finance orders made online we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person.

Returns and Cancellations

If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not be able to cancel the finance if the return falls outside of our returns period.

Pay4Later's details:

Address: 46 New Broad Street, London, United Kingdom EC2M 1JH.

Telephone: 0800 021 7150

Pay4Later works with reputable, established finance companies including Close Brothers Retail Finance, Oakbrook Finance, Omni Capital Retailer Finance, Ratesetter, Shawbrook Bank, and Secure Trust Bank to offer secure and convenient online finance.

Pay4Later is Authorised and Regulated by The Financial Conduct Authority.

SRS Microsystems Ltd acts as a credit broker and only offers credit products from Pay4Later.

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