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Quick and Easy Finance provided by Pay4Later

To purchase using Pay4Later, add the qualifying item(s) to your basket and choose Pay4Later when you are at the payment stage of the checkout. On qualifying product pages you will be shown examples of the finance packages available and the associated payment plan. Provided you are purchasing a product that qualifies for finance you can place other items into your shopping basket and then to select a finance product that fits your budget, this is done during the checkout process.
Pay4Later Calculator

Who can apply for Finance?

  • You must be at least 18 years old
  • Employed a minimum of 16 hours per week.
  • You must be a permanent resident in the UK and supply a UK Address history for the last 3 years.
  • Have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies.
  • Retired in receipt of a private or company pension.

If you select Pay 4 Later you will be directed to the Pay4Later site, this is where you will complete your finance application. If the decision is accepted you will be asked to confirm your order and pay your deposit.

The online application takes approximately 3 minutes to complete and the application is automatically sent to the finance company who will typically respond with their decision in around 10 seconds. Some applications may take a little longer to process, if for any reason an instant decision cannot be made, Pay4Later will send you an email the moment the finance company makes the decision.

Once you have been approved, we will be notified and process your order. We will inform Pay4Later once the goods have been despatched.

The goods must be delivered to the address provided on the finance application, we cannot offer the option ‘collect in store’. You will then receive confirmation from the finance company to confirm the repayment amount and the schedule.

How do I repay the loan?

Your monthly repayments are collected by direct debit.

Can I pay my loan of early?

You have the right to repay all or part of the credit early at any time.

Who are Pay 4 Later?

Pay4Later are an online finance gateway that links retailers and finance companies. Pay4Later works with reputable and established finance companies, for more information please visit Pay4Later are UK LIMITED Company licensed by the office of fair-trading.

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. A minimum deposit of 10% is applied to online finance.

Matter Retail Ltd act as credit broker and not a lender.

Consumer credit service is provided by Pay4Later Ltd. Pay4Later is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to or visit

Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.