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During office hours (Monday to Friday 8am - 8pm) we will aim to respond within 2 hours, outside of these hours we will aim to respond within 24 hours

Pre-sales / Application Enquiries

For all pre-sales and pre-application enquiries
Please contact the retailer you intend to make your purchase from. Please refer to the retailers web site for their contact details. Please note that detailed pre-contract credit information and an example credit agreement are provided for you to review at the start of the credit application process, before you are asked to sign and submit your application. You can save or print the pre-contract documents and take as long as you wish review them.

Applications in Process

If you are having problems paying your deposit online using a credit or debit card
If you are having problems paying your deposit, please carefully re-enter your card details including the start or valid from date, or issue number if your card has one. Please note that your card must be enabled for 3-D Secure. Please note that Pay4Later cannot take card payments over the telephone or by any other means.
If you are having problems or have a question about providing your proof of identity
Please carefully follow the instructions on screen to upload your proof of identity image. Please note that you do not require a scanner! Smartphone cameras are an ideal way to take a picture of your identity document.
For all enquiries about the status of your credit application
Please contact your retailer directly. 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. Pay4Later also email you at the address your provided on the application form to update you on the status of your application. Again, If you haven't received any emails from Pay4Later, please check your spam/junk mail folders.
To amend your order or if you have a question about the goods or services you have purchased
... including delivery or tracking queries, please contact your retailer directly. 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 want to discuss a declined credit application
Unfortunately we are not given the reason why a customer is declined for credit. The authorisation process is carried out by the finance company and Pay4Later has no part in the decision. The decline message is sent to us by the lender with no explanation or justification. The reason for a decline may that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information.

Post-sales / Application Enquiries

For all enquiries concerning an existing finance agreement
Pay4Later is not a lender, we do not lend or take any funds. Please contact the finance company directly. You can find their contact details on your credit agreement.
If you wish to cancel your credit application
To cancel your credit application you must contact the retailer you made your purchase from. If you made your purchase online, when the retailer cancels your credit application, your credit or debit card deposit be will automatically refund. Please allow up to 5 working days for the refund to appear on your card statement.
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.