Financing - Finance your purchase in just a few steps
If you spend £1000 or more, you can choose the finance package that's right for your budget, whether it's a personal loan that's Interest-Free, where you pay 0% interest over 12 months, also finance available over 24,36 & 48 month. The process only takes a few minutes and decisions are normally made shortly after submitting.
You'll find the below finance calculator on every finance qualifying product page, this will allow you to check what finance products are available and find a package that suits your budget best. Look out for 0% APR Interest-Free Finance across 100's of products.
It's as easy as:
Easily spread the payments with our range of finance solutions.
Choose the finance package that suits you best.
Apply from our checkout Easy online application Instant Decision We process your order
Simply choose your repayment period and choice of initial deposit. Look out for the promotional Interest Free offers.
RESULTS FOR DEKOPAY FINANCE
Number of Monthly Payments
Value of Goods
Percentage of Deposit
Amount of Deposit
Loan Amount To Be Repaid
Cost of Loan (Interest)
Total Amount Payable
Cost of Loan
True Cost of Loan
The approval of your application depends on your financial circumstances and borrowing history. Terms and conditions apply.
Our Pay on Finance options are designed to be as straightforward and clear as possible, ensuring that all customers fully understand the services available. Use the calculator above to simulate products that may be available, which will give you an idea of how much you'll have to pay back each month. On selected products and during promotional periods we also offer interest-free options, where advertised you can get all the details you need from the finance calculator on the product pages.
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!
You will only be considered for finance if you: 1. Are at least 18 years old 2. 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) 3. Are a permanent UK resident and have lived in the UK for at least 3 years 4. Have a UK bank account capable of accepting Direct Debits 5. Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies 6. Provide an email address so your documentation can be emailed to you
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12,24,36 & 48 months. The value of the loan needs to be over £700 and you can choose a deposit of up to 30% of the value of the goods.
Your application will be assessed based on eligibility, credit history and affordability with Deko advising you of the outcome in just a few seconds (via email). It’s important to know that when applying for finance a hard credit check is made which will be recorded on your credit file. 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 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.
Your first direct debit payment will be taken approximately 14 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.
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 (your retailer) 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.
CHF Retail Limited Ltd Registered in England and Wales. Company No. 08152075
CHF Retail Limited is authorised and regulated by the Financial Conduct Authority, register number FRN728300 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.