No paper forms. No sending forms in the post. Completely online.

 The process begins when you select a finance offer at the checkout. The credit application form is then displayed. A 'credit summary' displays the description of goods and finance details.

 After filling in your details, to complete the application, you will need to check the e-signature box to sign the credit agreement and submit your application. A decision is returned in around 10 seconds, which means you  can complete your purchase, entirely online, in just a few minutes.

 And as the agreement is executed online there is no paper, no sending forms in the post and no delays.

Consumer credit service provided by Pay4Later in association with Retail Money Market Ltd trading as Ratesetter. Pay4Later is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit

Ratesetter is authorised and regulated by the Financial Conduct Authority (FCA) with the reference number 633741. Ratesetter is not covered by the Financial Compensation Scheme. Registered offices are at 406 Great Guilford Business Square, 30 Great Guilford Street, London SE1 0HS. For more information please visit