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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Consumer Support

If you have an enquiry relating to a credit agreement you have made using Pay4Later, please first contact the retailer you made your purchase from.

Your retailer can directly assist you with any queries relating to your credit agreement including problems paying your deposit, amending or cancelling your credit agreement and other general queries.

You can find the contact details for your retailer on their web site. The retailer will also have sent you an email containing contact details. If you haven't received any emails, please check your spam/junk mail folders.

If you have already contacted your retailer and you have not received a response after 48 hours, please click here to open a support request.

Please also refer to our FAQ which covers security, problems making a credit request, canceling your finance agreement, paying your agreement off early and problems with goods or services supplied.