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0% Interest – Finance Options

DEKO Finance

A great finance page will give your customers all the information they need to understand the finance process and what it means for them. It should answer any questions they may have and empower them to make the best choice for them. Simply copy and paste the text below into your website finance page.

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 smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and then choose Deko. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!

Check your eligibility

You will only be considered for finance if you:
  • Are at least 18 years old
  • You're in paid employment or have a regular income (minimum 16 hours per week or £5,000 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

    We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12, 24 or 36 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods. Check the information in italics and update depending on your finance 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.
    If you don’t have an integrated finance calculator on your website today, get in touch with your account manager or our support team on 0800 021 7150 to discuss calculator options – otherwise you can include an APR example or the finance options you provide in a table as below

    0% finance over 12 months

    • Total order value = £600
    • 10% deposit = £60
    • Total amount of credit = £540
    • Duration = 12 months
    • Representative APR = 0%
    • Interest charged = £0
    • 12 monthly payments of = £45
    • Total amount payable = £600

    19.9% finance over 12 months

    • Total order value = £600
    • 10% deposit = £60
    • Total amount of credit = £540
    • Duration = 12 months
    • Representative APR = 19.9%
    • Interest charged = £54.96
    • 12 monthly payments of = £49.58
    • Total amount payable = £654.96

    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 Update with a link to your own product pages

    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 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 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 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 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.
    You might want to link to your own refund and returns policy.
    For any other questions contact us on telephone or email.
    Insert your own contact details here for consumers with more questions.

    The legal bit

    {Retailer legal name} is authorised and regulated by the Financial Conduct Authority, register number XXXXX and act as a credit intermediary.
    Insert your own company information and FCA authorisation details in the section above. 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 or visit

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