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Finance Information

Interest free credit is available on all purchases of £1000 or more, 4.9% interest is available on orders between £280 and £1000. You can apply online – it's quick, easy and you'll get an instant decision. Our online retail finance partner is Pay4Later. Credit is provided subject to status.

Here is an example:
Cash Price £1000.00
Deposit £100.00
Amount of credit £900.00
Payable by 12 monthly instalments of £75.00
Typical APR 0%

How to Apply
Visit our website and select the items you wish to purchase. On the check out screen, select "finance" as your payment option.

Application Criteria
To apply for finance you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history.
  • You must be in full time employment, unless retired or a house person with a spouse in full
    time employment.
  • You must have a UK bank account capable of accepting Direct Debits.
  • The goods must be delivered to your home address.

The Benefits
Interest free credit is available on all purchases over £300. 
10% minimum deposit.
Buy the items you want now + accessories, all for a low monthly payment.
One-stop shopping: no need to go to a bank to secure funding.
Keep cash for day-to-day expenses.
Fixed repayments — your payments are fixed for the duration of the agreement allowing you to budget
more effectively.

How much can I borrow?
When checking out, just fill out our easy online application form and you can be approved for up to £5,000 to use for the equipment you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £280.

Is a deposit required?
Yes. A 10% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What type of equipment can I purchase?
You can purchase anything on the website but please remember that the minimum order is £300.

What length of repayment is available?
4.9% interest on orders between £280 and £1000, repayable over a 24 month period
Interest free on orders between £1000 and £2000, repayable over a 12 month period
Interest free on orders over £2000, repayable over a 24 month period 

How do I apply?
You can apply on our website, simply click on the finance option when you checkout.

Can I pay my agreement off early?
Yes, you can repay early in full or in part. If you wish to pay any amount early you must give notice to Moneyway Retail Finance, One Arleston Way, Solihull, B90 4LH or telephone 0845 111 7107. Unless you repay in full, any early repayment you make will not reduce the duration of the agreement but, if you have given us notice of your intention to pay an amount early, we will recalculate the amount of the remaining monthly instalments.

Consumer credit service provided by Pay4Later in association with Moneyway. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit

Moneyway is a Trading name of Secure Trust Bank PLC. Secure Trust Bank is authorised and regulated by the Financial Services Authority, licensed by the Office of Fair Trading and a member of the Finance and Leasing Association. For more information please visit

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