Culinary Academy

Student Finance

Low-cost Finance for your Cookery Course

We offer course finance options for prospective UK students with our partners Pay4Later. This offers affordable repayment plans to help you spread the cost of your course.

Pay4Later

Loan Summary

  • Finance available on all cookery courses at Tante Marie Culinary Academy
  • Get an instant decision on finance eligibility
  • Fixed APR's over 1, 2, 3 or 4 years to suit your financial needs - typical examples below
  • Repayments start 1 month after your course commences
  • No early settlement fees
  • Parents can finance a child
pay4later

If you would like to hear more, or to start your loan application, Contact us on 01483 726957.

REPRESENTATIVE EXAMPLES

Tabs

Cordon Bleu Diploma

The examples below illustrate the finance plan for the Cordon Bleu Diploma

Cordon Bleu Diploma

24 month plan

Payments£838.67P/M
Duration24 months
Interest Rate9.9% APR
Course Cost£18,450
Deposit£1,500.00
Cost of Credit£1,678.05
Total Payable£20,128.05
Call 01483 726957 to Apply

Cordon Bleu Diploma

36 month plan

Payments£573.24P/M
Duration36 months
Interest Rate12.9% APR
Course Cost£18,450
Deposit£1,500.00
Cost of Credit£2,186.55
Total Payable£20,636.55
Call 01483 726957 to Apply

Cordon Bleu Diploma

48 month plan

Payments£429.93P/M
Duration48 months
Interest Rate12.9% APR
Course Cost£18,450
Deposit£1,500.00
Cost of Credit£2,186.55
Total Payable£20,636.55
Call 01483 726957 to Apply

By increasing the size of your deposit you can reduce the overall cost of credit

Pay4Later Frequently Asked Questions

Why should I consider finance? Finance a course through this scheme offers a structured repayment plan at a fixed rate, structured around your needs, to allow you to spread the cost of a cookery course at Tante Marie.
Do I qualify for finance?

To qualify for finance, you must:

1. Be a permanent UK resident and able to supply a UK address history for the last 3 years.
2. The person applying must be 18 years old or over. This could be you or, if you are under 18, it could be a parent.
3. Have a UK bank account capable of accepting Direct Debits.
4. Have no adverse credit history (no CCJ's, IVA's or bankruptcies).
5. At the time of application, be in regular full or part time employment (minimum 16 hours per week, unless you are retired or a house owner with a spouse in full time employment).
6. Pay the deposit using a credit or debit card.

Customers from outside the UK cannot apply for finance under the Pay4Later scheme.

Can my parents/partner take out a loan for a course for me? Yes, as long as you are over 18 and your parents/partner qualify for finance they can take out finance for your course. They will be fully liable for the loan.
What deposit will I have to pay?The minimum deposit payable is £750 for the 4 week Essential Skills course and the Cordon Bleu Certificate, or £1,500 for the Cordon Bleu Diploma and Intensive Cordon Bleu Diploma courses. You can pay a higher deposit as a way of reducing the monthly payments. Contact us to discuss a payment plan which works for you.
What if I change my mind after taking our finance?You have a 14 day 'cooling-off' period from the date you sign your agreement to change your mind about the loan. After this period our standard cancellation policy will apply. If you start the course before your 'cooling off' period ends you are deemed to have accepted the terms and conditions of the loan.
How long does the Pay4Later application process take? Your application should take around 5 minutes over the phone. You will be asked a few preliminary questions and will then be sent an online link for you to complete your application. Once you have been approved by Pay4Later simply pay your deposit and we will send out all of your confirmation details.
Who are Pay4Later? Pay4Later is an online finance gateway that links retailers and finance companies. Pay4Later works with reputable, established finance companies including RateSetter. Pay4Later is a UK limited company, licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please visit http://www.pay4later.com/.
How do I make repayments? Monthly repayments are taken by direct debit. Your finance agreement starts from when you receive your confirmation details after booking the course and you don’t start repaying your loan until a month after the start of your cookery course.
Can I pay off my loan early? Yes, you can pay off you loan early and not be penalised or charged any more than outlined on your initial plan.
What happens if I miss a loan repayment? If you miss a repayment instalment you will be charged a fee dependent on your credit amount and interest free time period. This will be outlined in your Terms and Conditions document that will be sent to you by Pay4Later.

Consumer credit service provided by Pay4Later in association with Omni Capital Retail Finance. Pay4Later is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit 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 www.omnicapitalretailerfinance.co.uk/.