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Interest Free Credit Options Available!

Pay4Later: 0% and Low Rate Finance

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


Please note that no form of discount or promotion may be offered on any credit orders. Minimum Loan Amount is £450 after deposit.

We are able to offer a flexible range of finance on all our products, totalling £500 or more (excluding delivery).

0% Finance is available on orders between £500 - £5000 (including VAT) to purchase any any product/s on for a period of 6 months.

We are able to offer low rate of 9.9% for up to 12 months (1year) or 14.9% for up to 24 months (2 years). A minimum deposit of 10% is required for all repayment options.

You are able to complete your application completely online with a decision within minutes.


Finance Options

Term APR Minimum Spend Minimum Deposit Minimum Credit Balance
6 Months 0% £500 £50 £250.00
12 Months 9.9% £500 £50 £450.00
24 Months 14.9% £500 £50 £450.00


Example 1 (based on 6 months Interest Free Credit)

Interest rate 0% fixed  
Cash Price £1,000
Less deposit (minimum 10%) £100
Amount of credit £900
Payable by 6 monthly installments of £150
Total amount payable £1,000
0% APR representative -


Example 2 (based on 12 Months Low Interest Rate Credit)

Interest rate 9.9% fixed  
Cash Price £1000
Less deposit (minimum 10%) £150
Amount of credit £850
Payable by 12 monthly installments of £74.52
Total amount payable £1044.24
9.9% APR representative -


Example 3 (based on 24 Months Low Interest Rate)

Interest rate 14.9% fixed  
Cash Price £1000
Less deposit (minimum 10%) £150
Amount of credit £850
Payable by 24 monthly installments of £40.80
Total amount payable £1129.20
14.9% APR representative -


The credit advertised is provided by one credit provider with whom we have a commercial relationship.

How does the Finance Option work?

  1. Finance is available on all non sale items.
  2. To apply for the Finance Option, please select the "Apply For Credit" option at the "Payment Information" step of checkout. You will be redirected to our credit provider, Pay4Later, to complete your application.
  3. You will be asked to confirm your acceptance of Pay4Later terms and conditions.
  4. You will be asked to choose from 6, 12 or 24 months payment terms and the amount of deposit you would like to pay.
  5. Once your application has been accepted you will be asked to digitally sign the credit agreement and pay the agreed deposit. The deposit is payable directly to Pay4Later.
  6. You will be given the option of either printing off the application form or request that the forms be sent to you in the post.
  7. On completion of your application, we will automatically receive notification from Pay4Later. We will despatch your order once we have received notification that your application has been successful and deposit paid.
  8. All goods purchased using finance options must be delivered to the address stated on the credit application.


Discount, promotional codes and cashback websites cannot be used in conjunction with Interest Free Credit related purchases. Finance is only available to domestic customers. Unfortunately, we cannot offer finance to commercial customers. We apologise for any inconvenience that this may cause.

Order Returns

Please note when considering returning items bought with these Finance Options, the order must be returned in full to Quatropi Ltd.

This means that if, for example, you have purchased 3 items through the Finance Option but would like to return 1 of those items then all 3 items must be returned back to us in full.

Declined Credit Applications

If your application is declined by Pay4Later Ltd, you will be notified shortly after submitting the online form.

You will have the option to print the declined letter which will provide you with an overview of why your application has been cancelled.

You also have the option to request your credit details from Experian for an administrative fee of £2. You will need to post a cheque, along with your name and address details to the address below.

Experian Help Service
P.O. Box 8000
NG1 5GX.

If you still feel unhappy about the decision, you can write to Ratesetter Ltd and request further details about your application. Please clearly state the reason that you are writing and provide your name, address and postcode. Post these details to:

6th Floor
55 Bishopsgate