Thinking of choosing finance?
Simply add the items you love to your basket, or select the finance option that suits you and click the Buy Now On Finance button. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!
Check your eligibility
* Are at least 18 years old
* You're in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
* Are a permanent UK resident and have lived in the UK for at least 3 years
* Have a UK bank account capable of accepting Direct Debits
* Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies
* Provide an email address so your documentation can be emailed to you
Our payment plan options
Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments. Calculator is shown on each product page.
If approved for finance, Deko will let you know who your lender is and provide you with their full contact details and information. 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 youll be notified by email of the credit decision within 24 hours. If youre not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.
Repaying the loan
A payment plan does not affect our standard refund and returns policy. Just contact us and well cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. 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/support or visit www.dekopay.com.
[March 03, 2021)