Instant Online Finance at Wacker Direct

Pay4Later Finance

To help make purchases as easy as possible, Wacker Neuson Direct offers a range of great finance packages from Pay4Later. 6 months interest-free finance is available on all orders above £500, and selected products are eligible for 12 and 24 month interest-bearing finance packages.

As of September 2012, our finance process is now instant. This means there are no more forms for you to sign, and you will know instantly whether or not you have been approved for credit. Your order will take no longer to arrive than if you paid by credit card!

  • Apply Online
  • Get an instant answer
  • No forms to sign
  • Receive your order next working day if ordered before 12 noon!
  • Repayments don't start until approximately 30 days after you receive your goods!

Am I eligible for finance?

All loans are subject to status and you must be at least 18 years old and a permanent resident in the UK. Customers from outside the UK cannot apply for finance from Wacker Neuson Direct. Finance applications from students, unemployed and single house persons will not be considered.

The contents of your application will be assessed and you will receive an instant approval or refusal of credit. In exceptional cases, your order will be held for manual assessment and you can expect to be notified by email of the credit decision within a few working hours.

Please note the minimum order value eligible for finance is £500. Unfortunately we cannot split finance orders into multiple deliveries. When paying by finance, we can only deliver your order to the card billing address. We cannot make any exceptions to this rule.

What is the best finance deal I can get on Wacker Neuson Direct products?

On every product page you'll see a dropdown with our best finance offers for that product. (See example 6 month interest free finance image below).
Select an option to see the monthly repayment amount and deposit. Please note that these options just give an indication of the finance deals available. You make your final decision on which finance package you would like at the checkout stage of our website.

0% over 6 Months Finance Representative Example

If you have multiple items in your basket, you will be offered the finance options for the total value of your basket up to the maximum finance transaction amount permitted.

How do I checkout using instant finance?

It's simple! Just add the products you want to your basket and click the "Checkout" button. Go through the checkout process and choose the "Pay4Later" instant finance button as your method of payment. Now choose which finance term you'd like to apply for, and change your deposit if you wish.

Finance Checkout Example

At the end of the checkout you'll be taken to the Pay4Later web site. This is where your finance application is processed. Assuming your application is accepted you'll be able to place your deposit and confirm your order right there. There are no forms to sign! If your finance application is accepted and you pay the deposit, your order will come through to Wacker Neuson Direct and we'll send you the goods. Get approval before 12 Noon and we'll send your order out the same working day (stock permitting) for next working day delivery!

As the last step of the deposit process you will be taken to your bank's website to verify the password you set for using your credit or debit card online (see the example below).

If your card is not registered in either the Verified by Visa or MasterCard Secure password schemes, you will not be able to place your deposit online. You can register your card to the schemes online with MasterCard or Visa. Alternatively, call us on 01698 333200 and we may be able process your finance application manually.

Please note we cannot offer a "collect in store" option for online finance purchases. Purchases made online using instant finance will be delivered to you via our courier delivery service.

How do repayments work?

Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don't start repaying your loan until approximately 30 days after you have received your order.

Cooling Off Period

You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact Wacker Neuson Direct and pay for the order in full via an alternative method (i.e. a credit card). Wacker Neuson Direct will then cancel your credit agreement and Pay4Later will return your deposit. If you don't wish to keep the goods, then you must return your order to Wacker Neuson Direct in the same condition that you received it, at which point Wacker Neuson Direct will cancel the agreement and Pay4Later will return your deposit.
Please pay particular attention to our returns policy which you can read here : Wacker Direct Returns Policy

Finance Options

The following finance packages are available on our website. The terms of the package may vary from product to product.

  • 12 MONTHS 4.9% FINANCE*
  • 24 MONTHS 19.5% FINANCE*

*   available on all products if total order is over £250     
The minimum order value to be eligible for any finance package is £250  
The maximum loan value is £12000.
The minimum deposit amount required for finance is shown on individual product pages on our site.

Maximum finance deals

The maximum deposit amount for all online finance is 50% of the total transaction value. For high value transactions (where the basket value is more than twice the maximum loan of £12,000) you will not be able to complete an instant finance application online.

If you are unable to complete your finance order online, please call us on 01698 333200 and we may be able to process your order manually.

Further Information

Consumer credit service provided by Pay4Later in association with Close Brothers.
Pay4Later is licenced by the Office of fair Trading (Consumer Credit Licence: 0616240).
For more information please refer to the Pay4Later consumer support page or visit

Close Brothers is authorised and regulated by the Financial Services Authority and licenced by the Office of Fair Trading.
For more information please visit

Full details regarding online finance offers are available on the Pay4Later website at: is a Division of Red Box Manufacturing Ltd., Registered Office: 11 Unthank Road, Bellshill, Lanarkshire, ML4 1DD.
Registered as a Company in Scotland No. SC217900. VAT No. 813387821. Consumer Credit Licence 642894/1.
Red Box Manufacturing Ltd. acts as a credit intermediary and only offers credit products from Pay4Later Ltd and Close Brothers.
Applicants must be a permanent UK resident aged at least 18 years old and working at least 16 hours per week. A minimum ten percent deposit is required. Finance applications from students, unemployed and single house persons will not be considered. Finance is available subject to age and status.

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