Please fill in the form below to apply for Pay4Later now! (please note a minimum of 10% deposit is required on all acceptance of all successful Pay4Later applicants.)

First Name (required)

Surname (required)

Your Email (required)

Telephone Number

Total value of your items you wish to purchase

RateSetter is the trading name of Retail Money Market Limited (Company Number 7075792). RateSetter is authorised and regulated by the Financial Conduct Authority (FCA) with the reference number 633741. RateSetter is not covered by the financial Services Compensation Scheme. Its registered office is at 406 Great Guildford Business Square, 30 Great Guildford Street, London, SE1 0HS. For more information please refer to our frequently asked questions or visit frequently asked questions or visit .

Consumer Credit service provided by Pay4Later in association with RateSetter. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit License: 0616240). For more information please visit


Please Note
Missing Payments
If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again from us or another lender. We may also take legal action against you and may apply for a charging order over your home