Interest Free Credit

General Information

Pay4Later Logo

Don’t wait to make that special purchase – spread the cost with our amazing 0% APR over 12 or 24 months. Buy the perfect engagement ring, treat yourself or give the ultimate gift with no need to wait or save. It’s easy to apply online or in store and there’s no waiting involved as you’ll get an instant decision from our retail finance partner Deko.

Take advantage of our great payment options on all jewellery purchases over £250 today:



Minimum Spend

Minimum Deposit


12 Months
24 Months


How To Apply

Online: Select ‘Finance Options’ from the checkout. Choose the 12 or 24 month term and deposit amount and click 'Check Rate' to preview the monthly installment before clicking ‘Proceed To Finance Application’. This will take you to a short form on the Deko secure server and your finance decision.
In Store: Ask one of our friendly team about paying via finance.


You must be over 18 years of age and a UK resident with at least 3 years continual address history. You must be in full time employment, unless retired or a house person with a spouse in full time employment. You must have a UK bank account capable of accepting direct debits. The goods must be delivered to your home address. A minimum deposit of 10% is required and is payable by credit or debit card upon acceptance. Credit is provided subject to status.

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Dower & Hall are authorised and regulated by the Financial Conduct Authority, register number 628703. Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please refer to or visit