CAR AUDIO CENTRE - FINANCE TERMS AND CONDITIONS.
REPRESENTATIVE EXAMPLE FOR A £500.00 ORDER: CLICK HERE
Car Audio Centre Finance is provided by Pay4Later in
conjuction with RateSetter, authorised and regulated by the Financial Conduct
Authority (Ref: 633741).
If for any reason you wish to withdraw from your finance
agreement you may do so within 14 days, of the agreement being made, without
reason under section 66A of the Consumer Credit Act 1974. If you wish to
withdraw you must give the finance company notice in writing or by telephone or
email. In the event of withdrawal, the full amount of the credit must be payed
within 30 days of giving notice, including any interest accrued during that
Pay4Later is committed to responsible lending and use a
number of methods to assess a customers financial stability before approving an
application. One such method is credit scoring, which uses data received from
credit reference agencies to performal statistical analyses to measure the
likelihood that a customer applying for credit will meet an acceptable credit
In the event you are already in debt or struggling to meet
existing financial commitments, we ask that you do not apply for credit.
Further to this, we advise that you contact the Citizens Advice Bereau,
the Consumer Credit Counselling Service or the Money Advice Service.
For full terms and conditions, please see the Pay4Later
website at www.pay4later.com
Is it safe to apply on line? Will my details be secure?
Yes. It is extremely safe to apply on-line. Your personal
information is encrypted before transmission to ensure it cannot be viewed by
any unauthorised third party. The Pay4Later finance gateway uses proven
techniques to ensure the security and integrity of sensitive data. Our public
web servers are certified by Thawte, a leading Certificate Authority, ensuring
that both the consumer and the retailer can have confidence that nobody can
impersonate Pay4Later to obtain confidential information. Data storage on
Pay4Later systems and the communication between Pay4Later and our partner
lenders, is regularly audited to the highest standards to ensure a secure
transaction environment. This includes specific regular third-party testing for
vulnerabilities and reviews of application security and access control
What personal information do you need?
We require personal details like your name, address, phone
numbers and income. Plus your bank account and credit or debit card details. We
need this information so we can be sure who's applying in order for the finance
company to perform a credit check. To give yourself the best chance of
approval, you should always ensure the information you give us is accurate and
honest. For full details about the collection and potential uses of your
Do I have to provide ID?
Please note that for security measures we may require a
proof of ID after your application has been approved and your deposit has been
paid. This step is to verify your transaction, and a check will be done on any
ID provided. If your ID fails the check or you are unable to provide a valid
proof of ID the retailer will be in contact with you. Should you need to
provide ID you will be notified via email from Pay4Later.
Is the application confidential?
Yes. Your credit application is treated in the strictest
confidence. We will not contact your employers, bank or any other third party.