0% Finance At Surface 2 Air Sports.

Want the latest gear but don't have the cash, no problem! Surface 2 Air in partership with the leading retail financier Pay4Later offer 0% interest free credit on all orders over £350 and you can choose the plan to suit you!

Finance your order now - Buy Now, Ride now, Pay Later!

It's that easy

How does it work?

Find the products that you would like to purchase and add them to your bag. If the bag total is more than £350 you will be offered the option of using Pay4Later at the checkout. This is in addition to our normal payment methods that include credit/debit cards and PayPal.

If you choose to finance your purchase you will be directed to a secure application process on Pay4Later’s servers. You will be given the choice of a number of schemes between 6 and 60 months duration. A calculator will be provided that will show the repayments and interest rates associated with the scheme you have selected. If you are approved for finance you will need to have your credit card ready to leave a deposit (minimum of 10%). You can then pay the remainder as monthly payments, with a loan duration of your choice.

How much does it cost?

It depends on the scheme that you select when making the credit application. If you choose the 0% finance option then you pay no interest on your purchase. The monthly costs will be clearly shown to you in the application process so that you can decide on the scheme that best suits your needs.

Examples of the finance packages on offer to choose from are;

  • 6 months Interest Free Credit, 0%
  • 12 months Interest Free Credit, 0%
  • 24 months credit at 19.9% APR
  • 48 months credit at 19.9% APR
  • 60 months credit at 19.9% APR

Full finance details, including actual monthly repayments and total cost are shown within the application process.

What if I have a bad credit score?

The Pay4Later 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.

To apply for finance you must be:

  • At least 18 years old.
  • A permanent UK resident.
  • In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
  • In receipt of a pension if you are retired.
  • Able to confirm sufficient income if you are registered disabled.

What happens if my credit application is rejected?

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

Consumer credit service provided by Pay4Later in association with Omni Capital Retail Finance. Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit http://www.pay4later.com/.

Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority, licensed by the Office of Fair Trading and a member of the Finance & Leasing Association. For more information please visit http://www.omnicapitalretailerfinance.co.uk/

Want to arrange 0% finance in store? No problem.

Our friendly and experienced staff are on hand to help applying for 0% finance. If coming in store please make sure you bring your Passport or Driving License (both plastic card and counterpart) as proof of identity, plus proof of address such as a Bank Statement (not online banking print off), Council Tax statement or Utility bill no older than 3 months. Mobile phone bills and credit card statements are not acceptable. We will also need your Bank Account details to apply for 0% finance and set up the Direct Debit so please have these handy. If you want to double check 0% finance acceptance before travelling to our store please call us in advance or apply online and specify 'Collect In Store'.

It takes around 15 minutes to apply for 0% finance and you will be able to walk away with your new gear the same day! Subject to acceptance and stock availability.

*Terms and conditions apply