Simple & Easy Finance Options Now Available

Puji are pleased to offer finance payment options on any single transaction purchase over £500* up to the price of £25000. You can apply on-line or in store- its quick and easy and you’ll get an instant decision.  Our on-line retail finance partners are Pay4Later.  Credit is provided subject to status.

Interest Free Credit applies to FULL PRICED ITEMS ONLY.  Items that are in sale, have been reduced using a discount code or an offer will be applicable to interest at 19.9%. If there are any products in your shopping basket that are reduced in price your order will not qualify for interest free credit.  Items must be in stock at the time of your order. The finance agreement is taken over a 6 or 12 month period only.   Interest at 0% APR. Offer live as of 04/11/2015

*Please note that we can only deliver goods to the registered address used in any finance application.

Choose the finance that suits you

Our finance options have been designed with you in mind, making it as easy as possible to give your home that much needed update. Using our simple Pay4Later calculator found on finance qualifying product pages, you can choose from a minimum of 10% deposit through to a maximum of 50%

You can also determine the finance period.  As you make your selections the calculator will display all the relevant repayment detail.



When checking out your order on-line, just fill out our easy on-line application form and you can be approved for up to £25000 to use for the furniture you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £500.

A minimum 10% deposit is payable by credit or debit card upon acceptance, in some instances we would require a higher deposit, usually for 0% interest free credit deals.

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

You can choose from various repayment periods starting from 6 months up to 48 month loan repayment periods.  For 0% finance options the maximum term is 12 months.

Refunding part of your order:

In the event of us refunding a product, we will contact Pay4Later / Close Brothers and arrange for them to adjust your credit agreement by the value of the item. We will not refund the deposit if you still have an outstanding balance on the loan, but your monthly payments will be adjusted accordingly.

Refunding your full order:

We will contact Pay4Later / Close Brothers and arrange for them to cancel your credit agreement and refund any repayments that you have made in respect of your finance agreement. The store will refund your deposit onto your chip and pin card.

Apply now on our web site, or in store.  Contact our customer services team on 0208 886 3000 if you have any further enquiries.


Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Pay4Later act as a credit broker and not a lender. Pay4Later can introduce you to a limited number of finance providers.

Puji & Pay4Later act as credit intermediaries and offer credit products provided by Close Brothers Limited trading as Close Brothers Retail Finance.

Close Brothers Retail Finance is a trading name of Close Brothers Limited. 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 Pay4Later is licensed by The Financial Conduct Authority – firm reference number: 0616240. For more information please visit

Finance is only available to UK residents over 18, subject to status, terms and conditions apply. Close Brothers Limited has its registered office at 10 Crown Place, London EC2A 4FT.

RateSetter is the trading name of Retail Money Market Limited (Company Number 7075792). RateSetter is authorised and regulated by the Financial Conduct Authority (FCA) with the reference number 633741. RateSetter is not covered by the financial Services Compensation Scheme. Its registered office is at 406 Great Guildford Business Square, 30 Great Guildford Street, London, SE1 0HS. For more information please refer to our frequently asked questions or visit frequently asked questions or visit".

Consumer Credit service provided by Pay4Later in association with RateSetter. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit License: 0616240). For more information please visit

Please Note

Missing Payments 

If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again from us or another lender. We may also take legal action against you and may apply for a charging order over your home.