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Finance Terms & Conditions

The Fireplace Warehouse are pleased to offer finance payment options on any purchase of £500 or more.

General Information 

Finance is available on all purchases of £500 or more. You can apply online, over the phone or in store - it's quick, easy and you'll get an instant decision. Our online retail finance platform is powered by Pay4Later. Customer finance is provided by Close Brothers Group PLC. Credit is provided subject to status.

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

Example Finance Options

Example Finance Option 1 (Interest Free)
Cash Price £799.00
Deposit £159.80 (20%)
Amount of credit £639.20
Payable by 6 monthly instalments of £106.53
Typical APR 0%

Example Finance Option (Classic Credit 19.5% APR)
Cash Price £660.00
Deposit £159.80 (20%)
Amount of credit £639.20 (+ £63.83 interest)
Payable by 12 monthly instalments of £58.59
Typical APR 19.5%

How to apply:

You can apply for credit by visiting our website. Once your chosen products are in your basket, simply enter your details, and at the 'Payment Information' stage, chose the option 'Apply for Finance' (as shown in the screen shot below). Choose the deposit amount you wish to pay (minimum 20%) and the best finance option for you. You will then be taken through to the Pay4Later website to apply for finance.

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.

One-stop shopping: no need to go to a bank to secure funding. Keep cash for day-to-day expenses. Fixed repayments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.


Is a deposit required?
Yes. A minimum 20% 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?
Any item we sell, as long as the minimum is £500.

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

How do I apply?
You can apply on our web site.

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 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.


Close Brothers Retail Finance, Dee House, St Davids Park, Ewloe, Flintshire CH5 3XF
Phone: 0844 880 6542

Consumer credit service provided by Pay4Later in association with Close Brothers Retail Finance. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information on retail finance, please refer to our frequently asked questions at

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority and licensed by the Office of Fair Trading. For more information please visit