Customer Service


How does the Pay4Later Instant Finance work?

When considering bigger purchases, finance options can relieve the strain on your wallet and put your mind to rest. We have reacted to customer demand in offering UK customers the option of spreading the cost of buying kit with Pay4Later finance. We offer finance from 0% APR, subject to status. That's at no cost to you!

Shop as normal on the site and you will see representative examples on products over £400 (screenshot below).  You can pay as little as a 10% deposit..  Have a play with the numbers and decide what you want your re-payments to be.

pay4later

When you arrive at the checkout simply select the 'Pay4Later' payment option and complete your order as normal. When the order is confirmed you will be prompted to complete the finance application. This process takes only a few minutes and you will get an instant decision. On some occassions there will be a 'referral' and some extra information is required by the lender.  

It's a really fantastic way of spreading the pain of kitting yourself out with no extra cost to you!

Terms and Conditions apply. Please note:

  • Minimum order value of £400, not applicable on price matches. For loans longer than 12 months minimum order value is £450 (after deposit and fees).
  • Loans and rates are subject to status and are available to UK residents 18 years old and over
  • Orders placed under finance cannot be partially returned and can only be either exchanged or returned for store credit.
  • The full terms can be found here.

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..

Urban Rider is a trading name of Urban Rider Ltd. registered in the UK under Company No.06395855.