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Gitzo Online Finance with Pay4Later

10/11/2016

Spread the cost and pay monthly with flexible online finance options
Spread the cost of your next order by using our online finance payment options with leading finance provider Pay4Later, using their instant decision technology. You can apply for credit on all orders over £275 and spread the cost over 12 – 36 months, interest free credit also available.
 
If you decide you would like to pay for your order using credit, simply select the Pay4Later payment option within the checkout process. If for any reason you are not approved for credit you can still use an alternative method of payment for your order.
 
Manfrotto Online Finance with Pay4Later 
How does it work?
Once you have selected the products you would like to purchase add them all to your cart and proceed to checkout.
If the basket total is more than £275 you will be offered the option of using Pay4Later as a payment method, where you can select a deposit of 10% or 20% and a finance package plan from 12 months at 9.9% APR – 36 months 19.9% APR and 6-12 months at 0% APR.
Once you’ve place the order you will be redirected to the Pay4Later credit application, the application will only take 4-5 minutes and you will get an instant decision.
 
If you are approved for credit, you will be provided with all pre-contract information which you can printout and save. Check all the required boxes and submit your application and pay the deposit.
 
If you are declined, you will be redirected back to the checkout where you can select an alternative payment option.
 
 
How much does it cost?
The total cost will depend on the deposit and the finance package you select.
The monthly cost will be clearly shown during your checkout process, so you can decide on the package which best suits you.
 
Finance packages on offer are:
12 months – 9.9% APR
18 months – 12.9% APR
24 months – 19.9% APR
36 months – 19.9% APR
6 months – 0% APR
12 months – 0% APR
 
 
How do I make my repayments?
Monthly repayments are taken by direct debit one month after you receive confirmation your application has been approved.
 
 
What if I have bad credit rating?
The Pay4Later application process will check your credit record at the point that you submit your application. If your credit score is poor your application may be referred to an underwriter or even declined.
 
 
A representative example
 
Cost of Item Deposit (10%) Loan Amount Representative APR
£633.95 £63.40 £570.55 9.90%
Type of Finance  Installments Cost of Loan Total Payable
12 Months Low Rate Credit (9.9%) 12 x £50.02 £29.72 £663.67
 
 
About Pay4Later
Pay4Later are a London based company who were established in 2008 with a market leading transactional consumer finance platform modelled around a paperless e-signature process.
 
Consumer credit service provided by Pay4Later in association with Omni Capital Retail Finance. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions www.pay4later.com/consumer-support/ or visit www.pay4later.com.
 
Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority, licensed by the Office of Fair Trading and a member of the Finance & Leasing Association. For more information visit: www.omnicapitalretailfinance.co.uk