Deko Finance Options

APPLYING FOR DEKO FINANCE COULDN’T BE EASIER OR MORE CONVENIENT.

INVEST IN YOUR SLEEP AND SPREAD THE COST OF BUYING YOUR PERFECT NEW BED WITH UP TO 24 MONTHS INTEREST-FREE CREDIT* OR 36 MONTHS LOW RATE CREDIT. (*0% TYPICAL APR)

Interest-Free Finance Example

Up to 24 months 0% APR representative interest-free finance.

Spread the cost with interest-free finance available online and in-store. These simple finance options allow you to spread the cost of your purchase over 6, 10, 12, 18 & 24 months.

All you need to do is:
  1. Spend a minimum of £495 and above
  2. Pay a minimum deposit of £49.50 (10%)
  3. Be aware that goods can only be delivered to the address stated on the application

5 Simple 0% Options

These 5 simple interest free finance options help you spread the cost of your purchases.

  • 6 months interest free finance on orders of £495 and above
  • 10 months interest free finance on orders of £995 and above
  • 12 months interest free finance on orders of £1,495 and above
  • 18 months interest free finance on orders of £2,495 and above
  • 24 months interest free finance on orders of £3,495 and above
  • 36 months low rate credit (4.9%) on orders of £4,495 and above
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Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. 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

You will only be considered for finance if you:

  • Are at least 18 years old
  • You have a gross annual income each year of more than £5,000
  • 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
  • You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any country Court Judgements (CCJs)
  • Provide an email address so your documentation can be emailed to you.
Our payment plan options
  • Minimum Order Value – £495
  • Maximum Order Value – £15,000

Finance Rates

  • 6 Months Interest Free
  • 10 Months Interest Free
  • 12 Months Interest Free
  • 18 Months Interest Free
  • 24 Months Interest Free
  • 36 Months Interest Bearing

Deposit

  • 10%
  • 20%
  • 30%
  • 40%
  • 50%
Finance Calculator

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.

Calculate your preferred monthly spend using our Finance Calculator tool
I am looking to spend
£
With a deposit of
£
Choose your finance option
6Months
10Months
12Months
18Months
24Months
36Months
Monthly Cost £66.67 Deposit: £100.00 Total Payable: £500.00 Final Payment: £66.67 APR: 0.00%
Paying with finance

Simply add the purchases to your basket and select Deko at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete. Take a look at our products available with finance and shop now.

Finance decision

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 soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide you 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.

Repaying the loan

Your first direct debit payment will be taken approximately 15 to 30 days 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.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us directly. We can cancel the application on your behalf. There is no need to contact Deko or your 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.

For any other questions contact us.

Legal Information

Jones & Tomlin (Workshops) Limited is authorised and regulated by the Financial Conduct Authority, register number 704348 and act as a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

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.