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Apply for Finance

Keengardener Ltd is pleased to offer finance payment options on orders over £500. 10 months interest free finance available on orders over £500. 24 months and 36 months finance available on orders over £600.

General Information

Finance is available on all purchases of £500 or more, minimum lending £450.00. You can apply by checking out online and selecting apply for finance as a payment option, you will then be required to apply for finance online. Our online retail finance partner is Pay4Later.

Credit is provided subject to status and affordability.

Please note we can only deliver goods to the registered address used in any finance application.

Example Finance Options

Example Finance Option 10 month Interest Free
Cash Price £999.00
Deposit £249.75 (25%)
Amount of credit £749.25
Payable by 10 monthly instalments of £74.92 p/m
Interest Rate 0%

Example Finance Option 24 month 9.9%
Cash Price £999.00
Deposit £249.75 (25%)
Amount of credit £749.25
Payable by 24 monthly instalments of £34.39p/m
Interest Rate 9.9%

Example Finance Option 36 month 14.9%
Cash Price £999.00
Deposit £249.75 (25%)
Amount of credit £749.25
Payable by 36 monthly instalments of £25.60 p/m
Interest Rate 14.9%

You can apply for credit easily by following the steps below:
Create a basket online and checkout selecting apply for finance as your finance option, you will then be prompted to fill in an online credit application, once approved your order will be processed for delivery.

Example Criteria

To apply for finance you must meet the following criteria:

You must be over 18 years of age. You must be a UK resident with at least 3 years continual address history. You must be in full time employment, unless retired or a house person with a spouse in full time employment.

You must have a UK bank account capable of accepting Direct Debits. The goods must be delivered to your home address.

Benefits Example

Finance is available on purchases of £500 or more.
Buy the items you want now and any accessories, all for a monthly payment.
Select 10, 24 or 36 month repayment periods depending on the options presented.

Choose the finance that suits you

Choose the payment plan which is affordable for you, we offer intrest free finance on 10 or interest payable on 24 and 36 month repayment terms.

Pay4Later FAQ

How much can I borrow?

Checkout online using apply for finance as your payment method and complete the credit application and you can be approved for up to £5,000 subject to status to use for the products you wish to purchase. The minimum order is £500.

Is a deposit required?

Yes. A minimum 25% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?

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.

What can I purchase?

All orders over £500 can be purchased using finance, please look for the Pay4Later calculator on the product pages and in the shopping cart to work out repayments - minimum order is £500.

What length of repayment is available?

You can choose a 10, 24 or 36 month loan repayment period.

How do I apply?

Create a basket online and checkout selecting apply for finance as your finance option, you will then be prompted to fill in an online credit application, once approved your order will be processed for delivery.

Can I pay my agreement off early?

You have the right to repay all or part of the credit early at any time. Simply contact Retail Money Market Ltd trading as Ratesetter and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

Can I use voucher codes on products purchased with Pay4Later?

Voucher codes or discounts cannot be applied to orders purchased using Pay4Later.

Who provides the finance?

Consumer credit service provided by Pay4Later in association with Retail Money Market Ltd trading as Ratesetter. Pay4Later is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit http://www.pay4later.com/.

Ratesetter is authorised and regulated by the Financial Conduct Authority (FCA) with the reference number 633741. Ratesetter is not covered by the Financial Compensation Scheme. Registered offices are at 406 Great Guilford Business Square, 30 Great Guilford Street, London SE1 0HS. For more information please visit http://www.ratesetter.com/