Pay4Later Retail Account Criteria

Before you apply for an account please confirm that:

  • Your business has been established for at least 2 years
  • Has a sales turnover greater than £250,000
  • Has a net worth greater than £50,000
  • Trades at a profit

If you fall outside our criteria, we may still be able to consider your application. Please contact us prior to submitting an application.

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About Pay4Later Limited

Founded in 2008, Pay4Later is the UK's fastest growing provider of point of sale credit. Pay4Later enables retailers to offer point of sale finance solutions (including interest free credit) to their customers online, in-store and by email.

Designed from the ground up around a paperless e-signature process, Pay4Later redefines point of sale finance for the digital age. Now you can offer credit across all your sales channels using existing payment infrastructure. Customers get an instant decision and can sign their credit agreement on screen. No paper forms, no waiting, no hassle. 

Pay4Later is a complete one stop solution that brings retail finance back into mainstream UK retail by increasing sales and delivering a great customer experience.

Pay4Later works with reputable, established finance companies including Secure Trust Bank plc (part of Arbuthnot Banking Group) to offer secure and convenient online finance.

Pay4Later is a UK limited company, licensed by the Office of Fair Trading (Consumer Credit Licence: 0616240).

 

Selected Pay4Later Clients:

  • Sparkle
  • Dive Life
  • Gig Gear
  • JTX Fitness
  • WorldStore
  • The Diamond Store
  • Juliettes Interiors
  • Demon Tweeks
  • Vibrostation
  • Toolstop
  • Andertons Music Company
  • Great Furniture Trading Company
  • gymcompany
  • Powerplate
  • Diamonds Factory
  • Indeal Home Stores
  • Camskill Performance
  • Superfit
  • Hayson Lighting
  • Bathtek
  • Dawsons Music