Finance options available with Deko
Deko’s secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase
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.
Deko is a credit broker, not a lender. Deko’s secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase.
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 County Court Judgments (CCJs)
- Provide an email address so your documentation can be emailed to you.
Please note: Finance plans are only available at participating surgeries.
0% finance over 12 months
- Total order value = £600
- 10% deposit = £60
- Total amount of credit = £540
- Duration = 12 months
- 12 monthly payments of = £45
- Interest rate(fixed) = 0%
- Interest charged = £0
- Total amount payable = £600
- Cost of Credit = £0
- 0% APR Representative
In order to process your application, you will be asked to provide information about your personal, employment and financial situation. Deko will need to share your personal data with Omni Capital Retail Finance Limited - the lender so that they can make a decision about whether to offer you finance. Omni Capital will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision.
Deko’s registered office address is: Deko 12th floor, 6 New Street Square London EC4A 3BF
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 will a hard credit check be made. Only you can see that a soft search has been made on your credit file, but a full credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that a credit check was made on your credit file.
Once approved, Deko will provide you with full details about your lender, including how to contact them. 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 your 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 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.
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. Your lender will refund your deposit and let you know if you have any balance to repay.