We offer various types of 0% APR finance packages for total order values ranging from £300 to £13,000. A minimum 10% deposit is required (you can pay a larger deposit if you wish as long as it doesn't make the loan amount less than £250).
Our finance partner is Pay4Later and the lending bank is Moneyway.
It is very easy and simple to use our finance payment option. Add the product (or products) to the basket and proceed to checkout as normal. At the payment option please choose finance and click enter. You will be transferred to the Pay4Later secured and encrypted server where you fill in the online application form which takes around 3-5 minutes. You will know if the application has been successful in less than a minute.
Our return policy remains the same if paying on finance - Within 7 working days of receiving the order you may cancel the contract and return any unwanted goods. The deposit will be refunded and the finance contract will be cancelled, Moneyway will post out the cancellation paperwork.
Please use the finance calculator below to see the various APR options we offer.
Who are Pay4Later?
Pay4Later is an online finance gateway that links ecommerce retailers and finance companies. They make it easy for finance companies and retailers to work together to offer consumers great finance deals including "interest free credit" and "classic credit". Pay4Later works with reputable, established finance companies including Moneyway (part of Secure Trust Bank plc) to offer secure and convenient online finance. Pay4Later is a UK limited company, licensed by the Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please visit pay4later.com.
Who are Moneyway?
Moneyway is the finance company. Their address is One Arleston Way, Solihull, West Midlands B90 4LH. Moneyway is a Trading name of Secure Trust Bank Limited. Moneyway are authorised and regulated by the Financial Services Authority, licensed by the Office of Fair Trading and a member of the Finance and Leasing Association.
How does Pay4Later work?
When you apply for credit online, Pay4Later securely captures, formats and transmits your application to the finance company.
How do I apply for credit?
After adding products to your shopping cart you will checkout as usual and choose Finance as the method of payment. Simply complete the online credit application form then carefully read the agreement and related information. If you are happy to proceed, you can sign the agreement online and click a button to send it to the finance company for an instant decision. If you are approved we'll ask you to pay the deposit online using a credit or debit card. Once accepted we will process your order.
Why did you send me an email titled "Important Pre-contract Information"?
The Consumer Credit Directive (2010) stipulates that we provide you with an explanation of your credit agreement, information about the agreement and a copy of the agreement itself. We email this information to you when you commence the credit application process in order that you can review it before you enter into the agreement. We ask you to confirm that you have received, read and understood this information before completing the credit application.
How long does it take to apply online?
Our online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can't give you an instant decision, we'll send you an email the moment the finance company makes a decision.
I've been approved for credit and paid the deposit. What happens next?
We will process and despatch the order. Once delivered we shall inform the finance company who will then write to you to confirm the repayment amounts and schedule.
What are the requirements for finance?
You must be over 18 years old (there is no maximum age limit). In regular full or part time employment (minimum 16 hours per week, unless you are retired or a houseperson with a spouse in full time employment).
Be a permanent UK resident and able to supply a UK address history for the last 3 years.
You must have a UK bank account capable of accepting Direct Debits. No adverse credit history (no CCJ's, IVA's or bankruptcies) The goods must be delivered to your home address. The deposit must be paid using a credit or debit card.
Can I apply for credit over the phone or in person?
Yes, please use our contact form and be sure to include the products you wish to order, a customer service representative will contact you within 15 minutes.
Why was I declined?
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 Haysom Interiors or 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 is often that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information.
Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.
What if I have bad credit?
The finance company uses an automated credit check as part of their decision making process. If you have an adverse credit record it may affect their decision. To give yourself the best chance of acceptance, please ensure you complete the credit application form correctly.
Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.
Do I need to pay a deposit?
Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is show in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.
How do I repay the loan?
Your monthly repayments are collected by direct debit.
Can I pay my agreement off early?
You can settle the agreement at any time by paying off the amount you owe. The amount may be reduced by a rebate. Examples indicating the amount you have to pay appear in the agreement. The examples are illustrative only and are based on the assumption that all instalments are up to date. No account has been taken of any variation to this agreement.
How much does the loan cost?
The total cost of the loan is shown clearly on the finance agreement, alternatively you can use our finance calculator.
How long before I have to repay a loan?
The finance company will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.
What APR will I be charged?
The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself.
Is it safe to apply on line? Will my details be secure?
Yes. It is extremely safe to apply on-line. Your personal information is encrypted before transmission to ensure it cannot be viewed by any unauthorised third party. The Pay4Later finance gateway uses proven techniques to ensure the security and integrity of sensitive data. Our public web servers are certified by Thawte, a leading Certificate Authority, ensuring that both the consumer and the retailer can have confidence that nobody can impersonate Pay4Later to obtain confidential information. Data storage on Pay4Later systems and the communication between Pay4Later and our partner lenders, is regularly audited to the highest standards to ensure a secure transaction environment. This includes specific regular third-party testing for vulnerabilities and reviews of application security and access control procedures.
What personal information do you need?
We require personal details like your name, address, phone numbers and income. Plus your bank account and credit or debit card details. We need this information so we can be sure who's applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.
Is the application confidential?
Yes. Your credit application is treated in the strictest confidence. We will not contact your employers, bank or any other third party.
Our credit consumer licence number is 641993/1.