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Easy to Apply - Instant Online Decision

As well as debit/credit card and PayPal payments UK Oak Doors also offer flexible finance packages so you can purchase the system you really want today. Our Finance packages are in association with Pay4Later which means it's Quick, Easy, Fully automated, can all be done online and best of all you get and instant decision!

We strongly recommend you read ALL of this information page (including the tips at the bottom of this page) BEFORE making a finance application because if you make a mistake it is most likely that the finance company will decline your application and you will not be able to make another application for another 60 days.

UK Oak Doors is regulated by the Financial Conduct Authority (FCA) for all consumer credit related activities, so you can shop safely and securely when using our website.

General information

Finance is available to anyone over the age of 18 and for a loan value between £750 and £10,000. 30% is all that is required as a minimum deposit.

The entire system is paperless and utilises a digital signature meaning you have not got to wait for decisions, agreements and the postal system. Your deposit can also be paid online so we can start processing your order within minutes and not days.

Is a Deposit required?

Yes, A 30% deposit is to be paid during the Application Process. The deposit is only taken upon completion of a successful application. If the application is not successful then a deposit is not taken.

How are my Monthly Payments Paid?

Directly from your nominated bank account. The first payment is due One Month after the date of the Finance Agreement and subsequent payments will be due on that date each month.

What Can I Purchase?

Anything from our website with a total order value of at least £750.00 and a maximum total order value of £10,000

Will the finance company perform a credit check?

Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy. You can find our your credit rating before making an application on websites such as Experian

Do I have to provide ID?

In rare cases, for security measures Pay4Later may require a proof of ID after your application has been approved and your deposit has been paid. This step is to verify your transaction, and a check will be done on any ID provided. If your ID fails the check or you are unable to provide a valid proof of ID we will be in contact. Should you need to provide ID you will be notified via email from Pay4Later.

What if I have bad credit?

The finance company uses an automated credit check as part of their decision making process. If you have an adverse credit record it may affect their decision. To give yourself the best chance of acceptance, please ensure you complete the credit application form correctly. Please don't apply for credit unless you're sure you will be able to comfortably repay it.

What if I have bad credit?

The finance company uses an automated credit check as part of their decision making process. If you have an adverse credit record it may affect their decision. To give yourself the best chance of acceptance, please ensure you complete the credit application form correctly. Please don't apply for credit unless you're sure you will be able to comfortably repay it.

I have been approved for credit and paid the deposit, what happens next?

Pay4Later will authorise us (UK Oak Doors) to process your order. We will then update your order confirm everything is going ahead and you will receive notification via email and in your account history. Please be aware this is a manual process and can only be updated during working hours so don't worry if you don't receive an update over the weekend or at 3am!

I made an application but it was declined, why?

Unfortunately we are not given the reason why a customer is declined for credit. The authorisation process is carried out by the finance company and UK Oak Doors and Pay4Later has no part in the decision. The decline message is sent to us with no explanation or justification. The reason for a decline is often that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information.

Finally if you receive a declined decision you will not be able to make another application for another 60 days. Please do not make multiple applications with the same details if you have already received a declined decision.

What happens if I do not pay the deposit

The order is not complete so we will not acknowledge one until the deposit is paid. If after 3 days the deposit remains unpaid then we will cancel the application and you will be reported which will affect your credit rating.

Who are Pay4Later?

Pay4Later is an online finance gateway that links retailers and finance companies. Pay4Later is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please visit www.pay4later.com


Tips for a successful application

If you make an application and it gets declined then you will not be able to make another application for another 60 days as it will automatically be pre declined so it is important that your application is completed as accurately and efficiently as possible. Make sure your details you fill in are correct - If you don’t then the finance company will almost certainly decline your application - if you make a false application then the finance company is unlikely to trust you to make your payments if you falsely fill in an application. One of the biggest reasons you will be declined is imputing the wrong address - Normally because its been inputted wrong or you use another address that is NOT your billing address

Ensure your meet the criteria listed at the top of this page.

A decision is affected by how much you borrow and how long you choose to make the payments. 12 month applications are far more likely to be accepted than say a 48 month application. Applications with a higher deposit amount are again much more likely to be accepted. Our advice would be to put down the largest deposit possible and choose the shortest finance plan possible.

Do not make multiple applications. If you receive a referred decision then don’t go making other applications as you will get the same decision and the finance company will simply decline all referred applications if there is more than one.

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