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Buy Now Pay on Instalments

Paying by Instalments

In offering installments The Beautiful Company Limited works in conjunction with Pay4later as the credit broker and Close Brothers Retail Finance as the sole 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.
 

Our flexible finance options in conjunction with Pay4Later mean that you can spread the cost of your purchase over 2 payments or 6, 24, 36 or 48 months. This is especially useful with the larger value items such as wedding rings that come at a time when there are other financial outlays to make. The Beautiful Company can offer you a range of affordable finance packages which will allow you to spread the cost of owning your jewellery over a longer period. 
Customers who want to pay by instalments :-

  • Must be over 18
  • Must be a UK resident
  • Must have a permanent UK address
  • Must provide a landline telephone number
  • Must have lived in their present address for at least 3 months
  • Must not be students
  • May be asked to prove their identity by providing evidence of their address with a copy of either a driving licence, passport or a utilities or credit card bill (not more than 3 months old) – this can be sent in the post or scanned and sent by email to info@thebeautifulcompany.com

 

Option 1 - Interest Free over up to 3 months with NO CREDIT CHECK (No minimum value)- This payment plan is through The Beautiful Company
We give you the option to pay for your order monthly for up to 3 months INTEREST FREE with NO CREDIT CHECK. All you have to do is, when you have chosen your rings and come to checkout, tell us in the special instructions box you will see when checking out how you want to pay and over what period and then choose the "10% Deposit" option which will ask you to pay  a deposit of just 10%. We will contact you and sort everything out. It's as simple as that!  Please note that your order will be sent only once full payment has been made.

Option 2 - Pay4Later Interest Free over 6 monthly payments (minimum order value £450) Split your payment into 6 instalments with a 10% deposit and pay Interest Free. For examples of how much this could cost see below. Just choose to pay by 6 months instalments when you are checking out and you can sign up and be accepted online straightaway

Examples of Repayment Costs

Purchase Minimum Total Total Total
Price Deposit Financed Interest Payable
£500 £50.00 £450.00 £0.00 £450.00
£1000 £100.00 £900.00 £0.00 £1,000.00
£1500 £150.00 £1,350.00 £0.00 £1,500.00

Option 2 - Pay4Later Buy Now Pay by Installments over 12 months @ a low interest rate of 9.9% APR (minimum order value £450) (not available on a mobile)
Split your payment into 12 instalments with a 10% deposit and pay just 9.9% APR. For examples of how much this could cost see below. Just choose to pay by 12 months instalments when you are checking out and you can sign up and be accepted online straightaway

Examples of Repayment Costs

Purchase Minimum Total Total Total
Price Deposit Financed Interest Payable
£500 £50.00 £450.00 £23.46 £523.46
£1000 £100.00 £900.00 £46.92 £1,046.92
£1500 £150.00 £1,350.00 £70.38 £1,570.38

Option 3 - Pay4Later Buy Now Pay by Installments over 24 months @ a low interest rate of 9.9% APR (minimum order value £450)Split your payment into 24 instalments with a 10% deposit and pay just 9.9% APR. For examples of how much this could cost see below. Just choose to pay by 24 months instalments when you are checking out and you can sign up and be accepted online straightaway (not available on a mobile)

Examples of Repayment Costs

Purchase Minimum Total Total Total
Price Deposit Financed Interest Payable
£500 £50.00 £450.00 £45.76 £545.76
£1000 £100.00 £900.00 £91.52 £1,091.52
£1500 £150.00 £1,350.00 £137.28 £1,637.28

Option 4 - Pay4Later Buy Now Pay by Installments over 36 months @ an interest rate of 19.5% APR (minimum order value £450). Split your payment into 36 instalments with a 10% deposit and pay just 19.5% APR. For examples of how much this could cost see below. Just choose to pay by 36 months instalments when you are checking out and you can sign up and be accepted online straightaway. (not available on a mobile)

Examples of Repayment Costs

Purchase Minimum Total Total Total
Price Deposit Financed Interest Payable
£500 £50.00 £450.00 £135.23 £635.23
£1000 £100.00 £900.00 £270.45 £1,270.45
£1500 £150.00 £1,350.00 £405.68 £1,905.68

Option 5 - 48 months @ an interest rate of 19.5% APR (minimum order value £450) (not available on a mobile)

Split your payment into 48 instalments with a 10% deposit and pay just 19.5% APR. For examples of how much this could cost see below. Just choose to pay by 48 months instalments when you are checking out and you can sign up and be accepted online straightaway.

Examples of Repayment Costs

Purchase Minimum Total Total Total
Price Deposit Financed Interest Payable
£500 £50.00 £450.00 £183.89 £683.89
£1000 £100.00 £900.00 £367.78 £1,367.78
£1500 £150.00 £1,350.00 £551.66 £2,051.66

 

Frequently Asked QuestionsQ. Is a deposit required?

A. Yes. A minimum 10% deposit is payable by credit or debit card upon acceptance.

Q. How are my monthly payments paid?
A. All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

Q. What can I purchase?
A. Any item we sell, as long as the minimum is £450.

Q. What length of repayment is available?
A. You can choose a 6, 12, 24 or 36 month loan repayment period.  6 months is reserved for 0% promotional offers where they apply.

Q. How do I apply?
A. You can apply on our web site by following the checkout process.

Q. Can I pay my agreement off early?
A. You have the right to repay all or part of the credit early at any time. Simply contact Close Brothers Group PLC and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

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