Pay4Later Finance Options
- Apply for Finance online
- Your application is processed instantly
- No forms to sign
- Repayments start 1 month after you book your course
Finance services with Able Skills provided by Pay4Later
Able Skills is regulated by the Financial Conduct Authority (FCA) and has teamed up with Pay4Later to offer you alternative payment methods for courses which we provide.
Finance is available for the majority of our qualification courses and is offered at a standard rate of 19.9% APR - you can choose to spread the payments over a period of 1 to 4 years.
If you are interested in paying for your course with finance we will send you a link from which you can make your application online and then get an instant decision. Once you have been approved simply pay your deposit for your course and we will send out all of your confirmation details and joining instructions.
Cost of Course: £2995.00
Deposit: You can determine the amount of deposit between 10% and 50% of the course fees
Deposit @ 10% = £299.50
Total Amount of Credit: £2695.50
24 Monthly Payments of: £134.88
Total Repayable: £3237.20
Duration of Agreement: 24 Months
Rate of Interest (Fixed): 19.9%
19.9% APR Representative
These loans are quite affordable and with all repayment details provided at the time of application, can help you plan your finances really very well.
Call Able Skills team on 01322 280201 to start your application or to simply see what repayment plans can be offered.
Please note that these finance options are only available through the website or over the phone and are not available in centre.
Able Skills acts as a credit intermediary and only offers credit products for Pay4Later Ltd via Omni Capital Finance. Credit provided subject to age and status.
Will I be eligible for finance?
Once you have filled in your on line finance application, the details will be assessed and you will receive an instant approval or refusal of credit. Occasionally, orders will be held for manual assessment but in this instance you can expect to be notified by email of the credit decision within a few working hours.
All loans are subject to status. You must be at least 18 years old and a permanent resident in the UK. Customers from outside the UK cannot apply for finance for Able Skills courses.
How do I make my repayments?
Monthly repayments are taken by direct debit. Your finance agreement starts from when you receive your confirmation details (usually when you book the course) and you don't start repaying your loan until a month after this date.
Cooling Off Period
In line with distance-selling regulations, you have 14 days from the date you sign your agreement to change your mind about the loan. If you simply wish to change your mind about the loan but still attend your course, you must contact Able Skills and pay for your course in full using an alternative method. Please bear in mind that if you are not accepted for credit finance, you do have the option at Able Skills to pay as you train – interest free. Once the new payment has been verified, Able Skills will cancel your credit agreement and Pay4Later will return your original deposit.
It is sometimes possible to change the term of the loan if you wish. Again please speak to us and we will see what we can do.
Founded in 2008, Pay4Later is the UK’s fastest growing provider of point of sale consumer finance.
Designed from the ground up around a paperless e-signature process, Pay4Later redefines point of sale consumer finance for the digital age. Customers get an instant decision and can sign their credit agreement on screen, no paper forms, no waiting and no hassle.
Pay4Later works with reputable, established finance companies including Omni Capital Retail Finance Ltd, Shawbrook Bank and Logical Finance to offer secure and convenient online finance.
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 www.pay4later.com/support/consumer/ or visit 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 www.omnicapitalretailfinance.co.uk.
You can make an application for finance against a variety of the courses on offer at Able Skills including:
- C&G Plastering
- C&G Plumbing
- C&G Bricklaying
- C&G Tiling
- C&G Carpentry
- C&G Electrical
- C&G Painting & Decorating
- Bpec Gas Training Packages
- C&G MultiSkills
If you do not see a Pay4Later logo on the course you have chosen, please call to discuss.