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Affordable Loan Option

Brighton School of Business and Management Ltd, in partnership with Pay4Later, are able to offer you interest free loans as an alternative method of payment for all our courses and qualifications.

The cost of education has risen sharply over the last few years. It is understandable that due to individual circumstances not everybody has the ability to pay for a course in full up front. We can now offer our learners the chance to spread the cost with a 0% loan which will open the door to many new learners who, due to financial constraints, have been unable to even consider further education.

Loans available for UK students (subject to status) – minimum 10% deposit of complete fee then 0% APR over 6, 10 or 12 months.

To be eligible for a loan, you must be:

  • Over 18 years old
  • Earn over £12,000/year
  • Have a good credit history
  • A permanent UK resident with 3 years of UK address history

Monthly repayments for the loan start a month after your course start date and are taken by Direct Debit.

Loan Example

Cost of Course: £1559.60
10% Deposit Payment of £155.96
12 Monthly Payments of £116.97
Total Repayments: £1559.60
Duration of Agreement: 12 Months
Rate of Interest: 0%

How to Apply for an Interest Free Loan

  • Complete and submit an application
  • Once you have received an offer to study the course, you can opt to pay for the course with the Pay 4 Later loan option by choosing this option on the Choice of Payment form, which will be emailed to you
  • You are then sent an email confirming the loan criteria, as above
  • On receipt of confirmation – we will request the following information:
    1. Loan duration (6,10 or 12 months)
    2. Deposit Amount (10% to 50%)
    3. Mobile Phone Number
  • This loan information is entered into the Pay 4 Later website and a link to apply for the loan will be sent directly to you
  • You will then be notified by email if you have been accepted or declined
  • If the loan is declined we will send an email with alternative payment options
  • If the loan is accepted, you have 30 days to complete the deposit payment. If payment is not made within this time then you must re-apply
  • On your enrolment date, you will be sent a Confirmation of Enrolment form to confirm that you have started the course – you must complete and return this to us. We then upload the document to the Pay4Later website and the funds are transferred to us within 3 to 5 days

About Pay4Later

Founded in 2008, Pay4Later is the UK’s fastest growing provider of point of sale consumer finance.

Consumer credit service is provided by Pay4Later Ltd. Pay4Later is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to www.pay4later.com/consumerfaq or visit www.pay4later.com. Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.

Omni Capital Retail Finance Ltd is registered in England and Wales, Reg No 7232938. Registered address: 42 – 50 Hersham Road, Walton-on-Thames, Surrey KT12 1RZ. Authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 720279.

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