Everything you need to know about our 0% Finance option

How to apply

In Person – Apply in our Adderbury Warehouse, where one of our sales staff will assist you with the entire process.

Online – Please select Finance as your preferred payment method. When you continue to ‘Proceed to Checkout’ you will then be redirected to the Close Brothers Retail website to complete your finance application.

Close Brothers will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.

How much can I borrow?

The minimum lending amount in addition to the upfront deposit is £450 (For example, total purchase price of £500 with 10% deposit). The maximum loan amount is £15,000.

Is a deposit required?

Yes. If your credit application is accepted, you will be required to pay a deposit between 10%-50%, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself.

What is the APR?

The annual percentage rate (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself. However, Trade Secret only offer 0% APR so there will not be any additional cost.

Some examples of the APR include:

£500 (10% deposit) – 6 months – 0% APR
£1000 (10% deposit) – 6 months – 0% APR

How are my monthly payments made?

Monthly repayments will be taken via direct debit from your bank account. Close Brothers Retail Finance will inform you of the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Which products can I buy on finance?

Any products in store or listed on this website with a “Finance” payment option are eligible for finance, as long as sale totals at least £500.

What is the repayment schedule?

You can arrange finance for a maximum of 6 months.

How long before I have to start repayments?

Close Brothers Retail Finance will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Can I pay off the loan early?

Yes, you have the right to repay all or part of the credit early at any time – you should contact Close Brothers Retail Finance for details by phone (0844 880 6542), e-mail or letter at the following address:

Close Brothers Retail Finance
Dee House
St Davids Park

How much does the loan cost?

The total cost of the loan is shown on the finance agreement. However, we only offer 0% APR so there will not be a loan cost.

Are there any other charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Close Brothers Retail Finance may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

Standard information and regulatory status of Pay4Later and Close Brothers Retail Finance

Consumer Credit Service is provided by Close Brothers Retail Finance. Close Brothers Retail Finance is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240).

Close Brothers Retail Finance is a trading style of Close Brothers Limited – a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. For more information please visit www.closebrothersretailfinance.co.uk.

How do I ask a question about the credit agreement?

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Close Brothers Retail Finance on 0844 880 6542.

How long does it take to apply?

The online application takes a few minutes to complete and successful applications are processed straight away.
In store you will be given an tablet to fill in your application. This will only take a few minutes and then the deposit can be paid straight away by debit or credit cards.

What are the requirements for finance?

You must be over 18 years old and a permanent UK resident with 3 years address history. You must have a UK bank account capable of accepting direct debits.

The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

Can I cancel the credit agreement?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the Close Brothers Retail Finance notice in writing or by telephone or email. Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please post it to Close Brothers Retail Finance. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Close Brothers Retail Finance
Dee House
St Davids Park

Telephone: 0844 880 6542
Email: CBRFservice@closebrothers.com

Sssh...it's a secret!

Although, due to contractual reasons, we can't sell our branded furniture and accessories publicly online, as a member you can get full access to our exclusive secret deals.


30,000 sq ft warehouse in the heart of Oxfordshire.

Monday-Friday 9am-5pm, Saturday 10am-5pm, Sunday 10am-4pm


Over 2000 items available immediately.

Monday-Friday 9am-5pm, Saturday 10am-5pm, Sunday 10am-4pm


28,000 sq ft in Coventry City Centre.

Monday-Friday 9am-5pm, Saturday 10am-5pm, Sunday 10am-4pm

What do our customers say about Trade Secret?

What can I expect to find at my local Trade Secret?

Everything from sofas, dining tables and footstools to bookcases, wardrobes and beds! Every single thing is available at up to 60% off the RRP and can all be taken away straight after purchase.

We also stock a wide selection of accessories including rugs, wall art, mirrors and clocks.

Why can't I find branded products online?

As we work with some of the UK’s most prestigious high street stores and dot com brands, we must respect their wishes when it comes to advertising and selling their stock online. As a result, many brands don’t allow us to openly sell or promote their products on our website. However, we are able to sell some brands online directly to our registered members via our weekly Secret Deals emails – just hit the link below to sign up!