0% Finance


Customers can now choose to pay now or later, online or mobile, or over the phone. Our fully automated credit application process is designed to make applying for 0% finance, quick, simple and easy.




You will be able to apply for credit online when you spend £250 or more on our website.



You will be able to pay the outstanding balance over 6 or 12 months (0% interest).




No there are no extra fees involved.

Sorry applications from students, unemployed and single house persons will not be considered.

Your item will be processed after the initial installment.

Don’t worry you will be able to return to checkout and use a credit or debit card, or PayPal to complete your purchase.

The Close Brothers application process will check your credit record at the point that you submit your application. If your credit score is poor your application may be referred to an underwriter or even declined. If you feel this was in error then we recommend contacting Citizens Advice who will be able to help you understand your credit history and correct any errors.

Close Brothers Retail Finance helps you to easily spread the cost of your purchase. Providing an easy electronic process on any device, a 5 second credit decision (on average) and 0% APR; Close Brothers is a trusted and transparent service we have carefully selected.

Lay-Z-Spa acts as a credit broker and not a lender and can introduce you to Close Brothers Retail Finance.

Contact Us for more information. Terms and conditions apply. Finance subject to status. Applicants must be 18 or over and resident in the UK. Credit provided by Close Brothers Retail Finance, 10 Crown Place London EC2A 4FT.

Finance provided by Close Brothers Retail Finance, a trading style of Close Brothers Limited – a subsidiary of Close Brothers Group plc. Registered Office: 10 Crown Place, London, EC2A 4FT. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.