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Flexible online payment option now available on Vango.co.uk!
Vango are pleased to announce a new partnership with leading online finance provider: Pay4Later. Using Pay4Later's "instant decision" technology you will be able to apply for credit online when you spend £280 or more on this website. If you decide you would like to pay using credit, you will be given a choice of payment options including 6 months of interest free credit. Longer duration subsidized credit plans are also available.
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 £280 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 a number of schemes between 6 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?
It depends on the scheme that you select when making the credit application. If you choose the 0% finance option then you pay no interest on your purchase. The monthly costs will be clearly shown to you in the application process so that you can decide on the scheme that best suits your needs.
- 6 months Interest Free Credit, 0%
- 12 months credit at 4.9% APR
- 18 months credit at 9.9% APR
- 24 months credit at 9.9% APR
Representative Example: AirAwning Varkala 280 Caravan Awning. Purchase price £600, Deposit £60, Amount of Credit £540, 6 Monthly Repayments of £90. Total Repayable £600. Agreement duration 6 months. Rate of Interest (Fixed) 0%. 0% 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. 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?
Sorry applications from students, unemployed and single house persons will not be considered
Will this application leave a footprint on my credit record?
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.
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 refer to our frequently asked questions or 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/