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Finance Information

MCA want to help you get the kit you want so after carefully consideration we have partnered with Pay4Later who provide trusted and reliable finance options. Choose from 6 months right up to 48 months, with 0% interest available. Our finance packages are offered via the approved and regulated Pay4Later provider who continue to secure hundreds of finance purchases every day.

HOW DOES IT WORK?

STEP 1:

Select your kit. To qualify for finance your basket value (including delivery) needs to be at least £300. If your chosen kit costs less than £300, simply add additional products to bring it up to the required minimum value. 

STEP 2:

When you’re in the basket, click the ‘Apply for Finance’ button. This will take you to the Finance Application page. Here you can enter your details and select the finance option which suits you, using the deposit slider and interactive calculator. This will show you how much you can expect to pay per month and for how long.

STEP 3:

Once you’re happy with your selection, click the final ‘Apply for Finance’ button. This will briefly take you away to the finance provider, Pay4Later website, where you’ll be given an instant decision. 

STEP 4:

Once your application has been accepted, you’ll be asked to pay a deposit and given a clear breakdown of the monthly repayments. 

STEP 5:

MCA will receive your order and dispatch your kit!

REASONS TO CHOOSE FINANCE:

1. 0% interest with no hidden fees

2. No long winded paperwork and an instant decision

3. Safe and secure with one of the counties leading providers

4. Full warranty and returns offered as normal

FREQUENTLY ASKED QUESTIONS

How do I apply for finance?

Simply complete our online finance application form at checkout, then carefully read the agreement and related information. If you are happy to proceed, you can sign the agreement online and click a button to send it to the finance company for an instant decision. If you are approved we'll ask you to pay the deposit online using a credit or debit card. Upon receipt of your deposit payment your order will be authorised.

How long does it take to apply online?

Our online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can't give you an instant decision you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

I've been approved for credit and paid the deposit. What happens next?

The provider will authorise MCA to process your order. MCA will then notify the provider when we have delivered your order in full. The finance company will then write to you to confirm the repayment amounts and schedule.

What are the requirements for finance?

You must be over 18 years or older.

In regular full or part time employment (minimum 16 hours per week, unless you are retired or a house person with a spouse in full time employment).

Be a permanent UK resident and able to supply a UK address history for the last 3 years.

You must have a UK bank account capable of accepting Direct Debits.

No adverse credit history (no CCJ's, IVA's or bankruptcies)

The goods must be delivered to your home address.

The deposit must be paid using a credit or debit card.

Why was I declined?

Unfortunately MCA are not given the reason why a customer is declined for credit. The authorisation process is carried out by the finance company. 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.

Do I need to pay a deposit?

Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is show in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.

How do I repay the loan?

Your monthly repayments are collected by direct debit.

Can I pay my agreement off early?

You can settle the agreement at any time by paying off the amount you owe. Please see contact details below. 

Is the application confidential?

Yes. Your credit application is treated in the strictest confidence. We will not contact your employer's, bank or any other third party.

What about warranty and returns?

Your kit is still covered under our normal warranty and returns policy. If you decide to return the kit or cancel the order within 14 days, your finance application can be cancelled. 

Can I cancel my credit agreement if I change my mind?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Close Brothers Retail Finance 
Dee House 
St Davids Park 
Flintshire 
CH5 3XF 

Telephone: 0844 880 6542 
Email: CBRFservice@closebrothers.com

How do I ask a question about the Credit Agreement?

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Close Brothers Retail Finance on 0844 880 6542.

ABOUT THE LENDER:

Loan agreements are only available to UK residents over the age of 18, subject to status, terms and conditions apply. All orders placed through finance must be at least £280. MCA work exclusively with Close Brother Retail Finance as the lender. Close Brothers Retail Finance is a trading style of Close Brothers Limited — a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. We may pay brokers some consideration if they introduce business to us. 

Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Pay4Later act as a credit broker and not a lender. Pay4Later can introduce you to a limited number of finance providers. 

Note:

Finance is only available to UK residents over the age of 18. Subject to terms and conditions. Signature on delivery will be required. Goods may require to be shipped to the address given on your finance application.

For more information please refer to our frequently asked questions or visit http://www.pay4later.com/.Close Brothers Retail Finance is a trading name of Close Brothers Limited. CloseBrothers is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority. For more information please visit www.closebrothersretailfinance.co.uk.