Finance Options


We now can offer finance options with selected courses available on 0% INTEREST FREE FINANCE.


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With Pay4Later you can spread your payments over up to 60 months. This will make your payments much more achievable and easy to organise. You can even set it up on direct debit. This could pave the way to you obtaining a better job, or getting your foot further on your chosen career ladder.

If you would like to ask further questions or apply for a course on Finance,
then please contact us on 0845 287 3239

Please see the example finance illustrations and examples below which shows you how you can spread the payments for one of our courses.


19.9% Interest over 12 Months Example

Level 2 Qualifications – Innovate / CACHE

Customer Goods Spend: £945.00
Monthly Repayment: £78.03
Deposit: £95.00
No. Repayments 12
APR: 19.9%
Credit amount: £850.00
Amount Repayable: £1031.36
Total Interest Payable: £86.30
Minimum Deposit: £95.00

19.9% Interest over 18 Months Example

Level 3 Diploma – Innovate / CACHE

Customer Goods Spend: £1145.00
Monthly Repayment: £94.75
Deposit: £115.00
No. Repayments 18
APR: 19.9%
Credit amount: £1030.00
Amount Repayable: £1895.00
Total Interest Payable: £155.08
Minimum Deposit: £115.00

19.9% Interest over 18 Months Example

Level 4 Qualifications – Innovate

Customer Goods Spend: £1190.00
Monthly Repayment: £68.39
Deposit: £120.00
No. Repayments 18
APR: 19.9%
Credit amount: £1070.00
Amount Repayable: £1351.02
Total Interest Payable: £161.70
Minimum Deposit: £120.00
Maximum Deposit: £120.00

19.9% APR over 18 Months Example

Level 5 Qualifications – Innovate / CACHE

Customer Goods Spend: £1245.00
Monthly Repayment: £71.59
Deposit: £125.00
No. Repayments 18
APR: 19.9%
Credit amount: £1120.00
Amount Repayable: £1413.62
Total Interest Payable: £168.63
Minimum Deposit: £125.00
Maximum Deposit: £125.00

All our qualifications are available on Finance at 19.9% APR

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

Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority, licensed by the Office of Fair Trading and a member of the Finance & Leasing Association. For more information please visit http://www.omnicapitalretailfinance.co.uk