Interest Free Credit Options Available!

Pay4Later: 0% and Low Rate Finance

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 of ?500 or more (including VAT) to purchase any any product on quatropi.com for a period of up to 6 months.

You can email or telephone us to discuss what items you want, how much deposit to pay and over how many months you would like to spread the payment.

We are even able to offer low rate of 4.9% for up to 12 months (1year), 9.9% for up to 24 months (2 years) or 19.5% for 36 months (3 years). A minimum deposit of 10% is required for all repayment options.

Once you are happy with the products and finance option offered we then email you a link to the Pay4later secure online application server.

You then complete the application online where you will receive the decision within minutes. A confirmation will then be sent to us and your order will be dispatched.

Finance Options

Term	APR	Minimum Spend	Minimum Deposit	Minimum Credit Balance
6 Months	0%	£500	£50	£450.00
12 Months	4.9%	£500	£50	£472.05
24 Months	9.9%	£500	£50	£494.55
36 Months	19.5%	£500	£50	£539.55

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 4.9% fixed
Cash Price	£750
Less deposit (minimum 10%)	£75
Amount of credit	£675
Payable by 12 monthly installments of	£57.71
Total amount payable	£767.52
4.9% APR representative	-

Example 3 (based on 24 Months Low Interest Rate)

Interest rate 9.9% fixed
Cash Price	£1200
Less deposit (minimum 10%)	£120
Amount of credit	£1080
Payable by 24 monthly installments of	£49.57
Total amount payable	£1309.68
9.9% 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 items.
2. To apply for the Fincance Option, please call 02476 642139 to place an order. You will be asked how you would like to spread your payments. You can choose from 6, 12, 24 or 36 months and the payment terms will be discussed with you by a member of our customer services team.
3. If you are new to Quatropi.com then you will have to create an account with us. We will do this over the phone. If you're already a customer our team will ask you for your name and post code to process to order on your existing account.
4. Once you are happy with everything, we will then take payment for the deposit; currently only 10% of the total order value. We will send you an email with a direct link to the finance agreement. There is a limited time to complete the transaction, which will be stated in the email.
5. The link will take you to the Pay4Later website where you can read through the agreement and confirm that you agree with the terms. Once the form has been submitted, 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.
6. The finance company will process your application and once accepted, we will receive notification. We will only despatch your order once we have received notification that your application has been successful.

Exceptions

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
Nottingham
NG1 5GX

If you still feel unhappy about the decision, you can write to Pay4Later 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:

Customer Services
Pay4Later Ltd
133 Houndsditch Road
London
England
EC3A 7BX