Orders & Enquiries: Mon - Sat 9am-5:30pm - (Cardiff Store) Sunday: 11am-4pm
Call us today 029 2039 4182 (Cardiff Store) 01633 262 738 (Newport Store)

Finance Options


Camera Centre UK is pleased to offer finance payment options on any purchase of £300 or more.

General Information

Finance is available on all purchases of £300 or more. You can apply online, over the phone, in store or via Email - it's quick, easy and you'll get an instant decision. Our online retail finance partner is Pay4Later.
Credit is provided subject to status.

Example Finance Option (Classic Credit 19.5% APR)

Cash Price £1650.00
Deposit £165.00 (10%)
Amount of credit £1633.32
Payable by 12 monthly instalments of £148.32

Typical APR 19.5%


Example Finance Option (Interest Free)
Cash Price £499.99
Deposit £150 (30%)
Amount of credit £349.99
Payable by 12 monthly instalments of £29.16
Typical APR 0%

You can apply for credit in several different ways:
Visit our website and select the items you wish to purchase.
On the check out screen, select Pay4later
as your payment option.

Or simply visit our store or give us a call. However you apply, it takes only a couple of minutes and you get an instant decision.

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 all purchases of £300 or more.
Select 6, 12, 24 or 36 month repayment periods depending on the options presented.
Spread the cost of any item over £300 with easy monthly repayments.


Choose the finance that suits you

Using our simple Pay4Later calculator found on finance qualifying product pages, you can choose from a minimum of 10% deposit through to a maximum of 50%
You can also determine the finance period.  As you make your selections the calculator will display all the relevant repayment detail.

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.

Example FAQ
How much can I borrow?
When checking out, just fill out our easy online application form and you can be approved for up to £12,000 to use for the equipment you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £300.

Is a deposit required?
Yes. A minimum 10% deposit for 19.5% deals and a 30% deposit for 0% deals 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 30 days 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. If you pay any way other than direct debit there is an additional charge.

What type of equipment can I purchase?
Hardware, software, equipment, accessories, basically any item we sell.  However, please remember that the minimum order is £300.

What length of repayment is available?
You can choose a 6, 12, 24 or 36 month loan repayment period.

with intrest rates from 0% (limited offers) up to 19.5%.

How do I apply?
You can apply on our web site, in store or give us a ring.

Can I pay my agreement off early?

You have the right under section 94 of the Consumer Credit Act 1974 to repay early in full or in part.

Consumer credit service provided by Pay4Later in association with Close Brothers Retail Finance. 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 .

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.

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. For more information please visit