Finance Terms & Conditions

You must be over 18 years of age and employed at least 16 hours per week,

Have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies,

Be a permanent UK resident and be able to supply a UK address history for the last 3 years.

Applications from students (unless employed at least 16 hours per week), unemployed and single house persons unfortunately cannot be considered.

Please find frequently asked questions regarding applying for finance here (Pay4Later FAQ)

  • Consumer finance on is organised and administered jointly by Skream Ltd, Unit 2 Western Centre, Western Road, Bracknell, Berkshire, RG12 1RW and Pay4Later.
  • Finance on is only applicable to purchases made on
  • ShopTo Finance is applicable on selected orders over £279.00 including VAT.
  • All offers of finance are subject to acceptance by Omni Capital Retail Finance Limited. Skream Limited accepts no liability in relation to the credit analysis and resulting contractual obligations. Please direct all enquiries in writing to: Omni Capital Retail Finance Limited, 34 Clarendon Road, Watford, Hertfordshire WD17 1JJ.
  • Goods purchased with finance must be delivered to your home address for security reasons.
  • Please keep a copy of the Terms and Conditions as well as your invoice for your records. We advise applicants to keep the documents relating to the financing application.
  • If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
  • Skream Ltd reserves the right to change these Terms and Conditions at any time.

  • Pay4Later is licensed by The Office of Fair Trading (Consumer Credit License: 0616240). For more information please refer to our frequently asked questions or visit
    Omni Capital Retail Finance is licensed by the Office of Fair Trading and a member of the Finance and Leasing Association. For more information please visit