Camping International Ltd is regulated by the Financial Conduct Authority with limited permissions to undertake certain credit related activities.
Spread the cost of your purchase with online finance.
To help make purchases as easy as possible, Camping International Ltd offers a great finance package on selected products. As of March 2012, our finance process is instant and you will know instantly whether or not you have been approved for credit. Our online retail finance partner is Pay4Later.com.
Example Finance Option (12 months).
Cash Price £999.00
Deposit £99.90 (10% minimum)
Amount of credit £899.10
Payable by 12 monthly installments of £78.83
Total amount payable £1045.86
Representative rate of interest (fixed) 9.9% APR
Will I qualify for Credit?
Credit is provided subject to status and we can only consider your application if:
• You are over 18 and employed at least 16 hours per week
• You have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies
• You are a permanent UK resident and able to supply a UK address history for the last 3 years
• Applications from students (unless employed at least 16 hours per week), unemployed and single house persons will not be considered.
Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).
Meeting the criteria does not guarantee acceptance.
Goods can only be delivered to your home address. If your application is accepted, the deposit must be paid by credit or debit card.
How do I checkout using instant finance?
When you have decided on the product you want simply select the time period you want and deposit you want to pay and click ‘Buy On Finance’
At the end of the checkout you’ll be taken to the Pay 4 Later web site. This is where your finance application is processed. Assuming your application is accepted you’ll be able to place your deposit and confirm your order right there. The whole process takes about 10 minutes and everything is done securely online. You will also know if the application has been successful after just 10 seconds.
If your finance application is accepted and you pay the deposit, your order will come through to Camping International and we will send you the goods.
N.B. As the last step of the deposit process you will be taken to your bank’s website to verify the password you set for using your credit or debit card online. If your card is not registered in either the Verified by Visa or Mastercard Secure password schemes, you will not be able to place your deposit online. You can register your card to the schemes online with Mastercard or Visa.
Please note: we cannot offer a “collect in store” or seperate “Delivery Address” option for online finance purchases. Purchases made online using instant finance will be delivered to you via our courier service to the address used on the finance application.
I have been approved – what happens next?
You will have the option to print the agreement or request for a copy to be sent over. If you don’t have a printer you will receive your copy 24/48 hours after you’ve been accepted. You will have to:
- Enclose a proof of address (gas, electricity, council tax)
- 2) Sign the agreement
- 3) Send it back to the finance company
Once they receive it they will give us the go ahead to deliver your product. All in all, from the moment you are accepted to the moment we receive the agreement is only 2 to 3 days – it all depends how fast you post the signed documents back!
How do repayments work?
Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don’t start repaying your loan until a month after you have received your order.
Cooling Off Period
You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact Camping International and pay for the order via an alternative means (i.e. a credit card). Camping International will then cancel your credit agreement and Pay4Later will return your deposit. If you do not wish to keep the goods, then you must return your order to Camping International in the same condition that you received it, at which point Camping International will cancel the agreement and Pay 4 Later will return your deposit.
Full details regarding our online finance offers are available on www.pay4later.com
Consumer credit service provided by Pay4Later in association with Close Brothers Retail Finance 0844 880 6542. Pay4Later is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit frequently asked questions or visit http://www.pay4later.com/.
Close Brothers Retail finance is a trading name of Close Brothers Limited. Close Brothers limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority- Firm reference number 124750. For more information please visit http://www. closebrothersretailfinance.co.uk/
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.