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Pay4Later Finance

Bell Tent UK is thrilled to be able to offer finance on orders over £300.

We decided to offer this so our customers can get the tent or kit they dream of, when they need it and not have to save up while missing precious camping time. It is really important to us that you know that we don’t make anything out of these finance packages (not even a finder’s fee) and the rates are therefore set at the most competitive level available from the lender.

The finance is through a separate company called Pay4Later who can usually give a decision within minutes of the online application being completed. If the initial lender can’t help they can often offer other options.
We hope this service helps you get the best Bell Tent for you.


How does it work?

Find the products that you would like to purchase and add them to your shopping basket. If the basket total is more than £300 you will be offered the option of using Pay4Later at the checkout. This is in addition to our normal payment methods that include credit/debit cards and PayPal.

If you choose to finance your purchase you will be directed to a secure application process on Pay4Later's servers. You will be given the choice of 2 schemes between 18 and 24 months duration. A calculator will be provided that will show the repayments and interest rates associated with the scheme you have selected. If you are approved for finance you will need to have your credit card ready to leave a deposit (minimum of 10%). You can then pay the remainder as monthly payments, with a loan duration of your choice.


How much does it cost?

Our finance options all currently based on 19.9% APR but this can vary.

Representative Example: 

5 Metre Ultimate Bell Tent. 
Purchase price: £579, 
Deposit: £57.90, 
Amount of Credit: £521.10, 
18 Monthly Repayments of: £33.31. 
Total Repayable: £657.46. 
Agreement duration: 18 months. 
Rate of Interest (Fixed): 19.9% APR Representative.

Full finance details, including actual monthly repayments and total cost are shown within the application process.


What if I have a bad credit score?

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. Pay4Later has access to several lenders so may be able to offer you another package from one of them if you are declined by the initial primary lender. If you feel this was in error then we recommend contacting Citizens Advice who will be able to help you understand your credit history and correct any errors.


Can anybody apply?

You will need to be a UK resident and unfortunately applications from students and the unemployed will not be considered.


Will this application leave a footprint on my credit record?

Yes.


What happens if my credit application is rejected?

Don't worry you will be able to return to checkout and use a credit or debit card, or PayPal to complete your purchase. If in doubt feel free to call us on 07830 355993


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 visit http://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 please visit http://www.omnicapitalretailerfinance.co.uk/

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Bell Tent UK © 2006 - 2017
Camping with Soul Ltd, trading as Bell Tent UK
Registered office: Unit 10 College Fields, Prince Georges Road, Colliers Wood, London, SW19 2PT
Company Registration Number: 08292276