Finance Offers	Payments	Duration	Interest Rate	Deposit	Cost Of Credit	Total Repayable
12 Months Interest Free Credit at 0% APR	£ P/M	Months	% APR	£	£	£
24 Months Interest Free Credit at 0% APR	£ P/M	Months	% APR	£	£	£
36 Months Promotional Credit (14.9%)	£ P/M	Months	% APR	£	£	£
48 Months Promotional Credit (14.9%)	£ P/M	Months	% APR	£	£	£

Logic4training is able to offer finance through our partner arrangement with Pay4later (see examples below). This is a great way to spread the cost of training over a timeframe to suit you, at a competitive rate or even Interest Free, plus you can repay some or all of your loan at any time without any early repayment charge. The advantages of using the finance offered by Logic4training with Pay4later would be:-

• Spreads the cost
• Secure easy application process either online or in our Northolt centre
• Simple monthly payments by Direct Debit
• Applications processed quickly with an instant decision
• No forms to sign
• Minimum booking value eligible for finance is £550 + vat

Available finance options from Logic4training

• 12 Months Interest Free Credit at 0% APR
• 24 Months Interest Free Credit at 0% APR
• 36 Months Low Rate Credit at 14.9% APR
• 48 Months Low Rate Credit at 14.9% APR

FAQ’s and Details

• Finance is available over 12 or 48 months and is subject to age and credit status.
• When will I know the decision?
  • Once you have completed the application the decision is instant
  • If your application is declined you will have the option of choosing an alternative method of payment.
  • If you are accepted for finance this offer will last for 90 days. If the agreement is not commenced within that period another application will need to be made.
• What interest rate will I pay?
  • The application will be submitted at the rate you choose but depending on your credit history and your risk rating you may be offered a higher rate. This is determined when you submit the application to the lender, we do not have any influence in this.
• When do I pay a deposit?
  • A deposit is required to confirm the finance agreement
• What are the requirements to apply for finance?
  • You must be aged 21 or over
  • You must have a UK bank or building society account
  • You’ve been a permanent UK resident for at least 3 years
  • You have a regular source of income – Net monthly income minimum of £700
  • If self employed – for over 24 months
• Do I need to have any documents with me when I apply?
  • Yes you will need to have available the following
  • Proof of identity
  • Your bank details
  • Method of payment for the deposit
  • You may need to have proof of address and/or current utility bill
• How do I make repayments?
  • Repayments are taken by monthly direct debit
  • The finance agreement starts when you commence the course, either in the centre or as part of the online learning package. The 1st payment will be taken 30 days after the agreement starts.
• Is there a cooling off period?
  • Yes. This is a regulated industry and as such there is a 14 day cool off period. If you wish to continue with the course you will need to pay for the course in full using an alternative method. You should be aware of our cancellations policy within our terms and conditions as you may not be able to cancel the course depending on how much notice you give us.
• Can I use the finance option to pay for more than one course?
  • Yes, you can bundle courses together under 1 finance agreement

Company Details

Gas Logic Ltd acts as a credit intermediary and only offers credit products through Pay4Later Ltd.

Gas Logic Limited is authorised and regulated by the Financial Conduct Authority (number 648975)

Logic4training is a trading name of Gas Logic Ltd. registered in the UK under Company No.4112853

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.