Instant Decision Finance from


Pay over 6, 10 or 12 months with Gearooz 0% Finance, or pay over 24 or 36 months with 14.9% interest. Spread the cost with easy monthly payments and only a 10% deposit. Gearooz finance products are offered by Close Brothers and range from £300 to £25,000.

Who can apply for finance?

The finance company can only consider your application if:

> You are 18 years old or over, and employed at least 16 hours per week, ncluding self-employment or in a permanent residence with your spouse/partner who's in regular employment
> You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies and you can make regular direct debit payments.
> You are a permanent UK resident and able to supply a UK address history for the last 3 years.
> You have a household income of £12k or more per annum.
> You have a debit card or credit card in your name and registered to your address and have a bank or building society current account


Applications from students (unless employed at least 16 hours per week) or unemployed single house persons will not be considered. Do not apply if you have been declined credit in last 60 days as your application will be automatically pre-declined.

How do I apply and how long does it take?

Simply add the desired products to your basket and click proceed to checkout. During checkout choose the Close Brothers Finance option. Choose your desired deposit amount (10 - 50%), payment plan, complete the online credit application form, then carefully read the agreement and related information. 
It’s important you use your full name and address details and make sure everything is spelt correctly.

If you are happy to proceed, you can sign the agreement online, add an electronic signature and click proceed to send it to the finance company for an instant decision. If you are approved you will be asked to pay the deposit online using a credit or debit card. Upon receipt of your deposit payment, we will be authorised to proceed with your order.

The online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason they can't give you an instant decision, an email will be sent to you the moment the finance company makes a decision.

The following finance options are available through Gearooz:

6 Months at 0% APR
10 Months at 0% APR
12 Months at 0% APR
24 Months at 14.9% APR
36 Months at 14.9% APR

All options require a deposit of between 10% and 50%. Below are some examples to show you how it works.

Example 1
Purchase Price £499
Deposit £41.58
Cost of Credit £0
6 Monthly Payments £62.37
Total Repayable £499
Duration 10 months
0% APR Interest Rate
Example 2
Purchase Price £1500
Deposit £150
Cost of Credit £0
10 Monthly Payments £135
Total Repayable £1500
Duration 10 months
0% APR Interest Rate
Example 3
Purchase Price £7995
Deposit £799.50
Cost of Credit £0
12 Monthly Payments £599.62
Total Repayable £7995
Duration 12 months
0% APR Interest Rate

Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.

Do I need to pay a deposit?
Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary and on the credit agreement itself.

What personal information do you need?
We require personal details like your name, home 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.

Please note goods purchased can only be delivered to you home address and signed for at that address.

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 regarding. 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.

If you still have a question regarding finance please contact one of the Gearooz team on 01273 921321 or email Gearooz is an introducer of regulated credit products provided exclusively by Close Brothers Retail Finance. Close Brothers Retail Finance is a trading name of Close Brothers Limited. Finance is only available to permanent UK residents aged between 18-75, subject to status, terms and conditions apply.