Spread the cost of your purchase over a year at no additional cost (Interest Free Credit), or opt for low monthly payments and take up to three years to pay it off (Low Rate Credit).
The minimum credit for which you can apply (after deposit is deducted) is £250.
Interest Free Credit is available:
Low Rate Credit is available:
Paying with finance is available as one of the payment options in checkout, to pay for the whole of your order. You can consider the options for finance, choose the plan and deposit amount you want, then when you confirm your order we’ll pass you straight to Deko to make your application.
Before your application is considered, you need to be able to answer 'yes' to these questions:
If approved, you pay the finance deposit through Deko, we are notified and can send out your order. If your application is not successful, you can cancel your order or choose another method of payment.
Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.
Once approved, Deko will let you know who the lender is and provide with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information. In our experience, these referrals are typically dealt with in a matter of minutes during daytime; out of hours may take a bit longer.
Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
We are authorised by the FCA (Financial Conduct Authority) as a credit broker. Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.
Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/faq or visit www.dekopay.com.
|Spread the cost your order - choose the length of loan and how much to put down|
|Rate of interest:||% Fixed|
|% APR Representative|
|Available rates and deposits depend on spend.|