Finance Information

Regulatory Information

Close Brothers Retail Finance

Ian Blowers Jewellers Ltd, 43 Savile Street, Hull, HU1 3EA loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.

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.

Ian Blowers Jewellers Limited

We work exclusively with Close Brothers Retail Finance as a lender.


Pay4later is an online finance gateway that links retailers and finance companies making it easier 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.

How to apply for finance

1. Once you have selected the item that you wish to purchase add the item to your shopping cart and proceed to checkout

2. On the checkout page look for the “Pay by finance” option and select the finance offer that you wish to apply for from the dropdown selector.

3. Once selected you will be re-directed to a secure application form – simply complete the form and submit your application and wait for the decision.

4. Upon acceptance by the finance company, relevant details of your finance agreement will be displayed on screen which you will need to review and agree, before signing your credit agreement and paying your deposit by Credit or Debit card

5. Upon receipt of your deposit payment, we’ll authorise the retailer to proceed with your order.

Frequently asked questions



We understand that you may have questions relating to finance – below we have tried to answer the most common, should your question not be answered please contact us on 01482 323921

How much can I borrow?

You can borrow from £300 to a maximum of  £12,000.

How do I ask a question about the Credit Agreement?

If you have a question, If there is anything you do not understand or if you require any further information regarding the credit agreement, please call Close Brothers Retail Finance on 0844 880 6542 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.

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.

What are the requirements for finance?

 You are a permanent UK resident and able to supply 3 years address history

 You are in employment or retired and receive a gross annual income of at least £10,000

 You have a good credit history

 You have a debit or credit card

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

 The goods must be delivered to your home address.

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


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 David’s Park



Telephone: 0844 880 6542 Email:

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.

Do I need a bank account?

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

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 shown 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 have the right to repay all or part of the credit early at any time – you should contact Close Brothers Retail Finance for details by phone, e-mail or letter at the following;

Close Brothers Retail Finance

Dee House

St Davids Park



How much does the loan cost?

The total cost of the loan is shown clearly on the finance agreement.

Are there any other charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount, they may also levy additional fees – details of these can be found in your copy of the credit agreement which is available to you as part of the application process and also supplied to you as part of the welcome pack you will receive following acceptance of finance.

How long before I have to start to repay the loan?

The finance company will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

What APR will I be charged?

The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself. The APR for Interest free credit is 0%.