Pay4Later Finance Terms and Conditions

Terms & Conditions For Pay4Later Bookings

FINANCE OFFER FOR COURSES

Construction Skills College Limited have teamed up with Pay4Later to offer you alternative payment methods for training courses(s) and packages as state don this website.

Finance is offered on all courses and packages which cost over £800.

The standard rate is 14.9% APR and you can choose to spread the rate over a period of 1 to 4 years.

  • Apply for Finance online
  • Your application is processed instantly
  • Repayments start 1 month after you book your course

If you are interested in paying for your course with finance you will find a link with the pages of relevant courses.  I needed we will send you a link from which you can make your application online and then get an instant decision. Once you have been approved simply pay your deposit for your course (by debit or credit card) and we will send out all of your confirmation details and joining instructions.  You can call a member of our team on 01782 837007 to start your application and if needed we can fill in your details for you and send you the link.  Details of repayment plans can be viewed within the course descriptions within this website, or call us to see what repayment plans are on offer and what the monthly repayments, total interest, total repayable, APR would be.

Please note that these finance options are only available through our website or over the telephone.

REPRESENTATIVE EXAMPLE

Course Cost:   £850

Monthly Repayments: £61.05

Total Interest: £52.60

Total Repayable: £732.60

Advance: £680

APR: 14.9%

Representative Example.  Construction Skills College acts as a credit intermediary and only offers credit products for Pay4Later Ltd via Secure Trust Bank Plc.  Credit provided subject to age and status.

HOW LONG DOES THE PROCESS APPLICATION TAKE?

When you contact Construction Skills College the call will only take about 5 minutes during which time we can discuss the course and duration you would like the payments to spread over.  You will be asked about 5 or 6 basic questions and will then be sent an online link for you to complete your application.   Once you have submitted your application you will be assessed will receive an instant approval or refusal of credit. Occasionally, orders will be held for manual assessment but in this instance you can expect to be notified by email of the credit decision within a few working hours.  Once you have been approved all you need to do is pay your deposit and we will send you your confirmation of booking.

WHAT ARE THE REQUIREMENTS FOR PAY4LATER FINANCE?

You must be 18 years old or over.

In regular full or part time employment (minimum 16 hours per week, unless you are retired).

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.

The deposit must be paid using a credit or debit card.

IS THERE AN ADMINISTRATION FEE?

No.  Construction Skills College will cover the administration costs.

HOW DO I MAKE REPAYMENTS?

Monthly payments are taken by direct debit.

COOLING OFF PERIOD?

In line with distance-selling regulations, you have 14 days from the date you sign your agreement to change your mind about the loan. If you simply wish to change your mind about the loan but still attend your course, you must contact Construction Skills College Limited and pay for your course in full using an alternative method, such as credit card or debit card or bank transfer.   Once the new payment has been verified, Construction Skills College will cancel your credit agreement and Pay4Later will return your original deposit.

It is sometimes possible to change the term of the loan if you wish.  Again please speak to us and we will see what we can do.

ABOUT PAY4LATER?

Founded in 2008, Pay4Later is the UK’s fastest growing provider of point of sale consumer finance.

Designed from the ground up around a paperless e-signature process, Pay4Later redefines point of sale consumer finance for the digital age. Customers get an instant decision and can sign their credit agreement on screen, no paper forms, no waiting and no hassle.

Pay4Later works with reputable, established finance companies including Omni Capital Retail Finance Ltd, Shawbrook Bank, Logical Finance and retested to offer secure and convenient online finance.

FURTHER INFORMATION?

Consumer credit service is provided by Pay4Later Ltd. Pay4Later authorised and regulated by the Financial Conduct Authority (Interim Permission Number: 0616240). Registered offices are at 33 St Mary Axe, London EC3A 8AG. For more information please refer to www.pay4later.com/consumerfaq or visit www.pay4later.com

Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered, and provided with their full contact details.

 

FURTHER TERMS AND CONDITIONS?

Please read the following two pages

Booking Terms and Conditions

Terms and Conditions