0% Interest Free Finance Available

• 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.

The minimum spend amount excluding deposit is £600. The maximum loan amount is £15,000 (excluding deposit).

Yes. We like to keep things simple. If your credit application is accepted, 10% deposit is all you need to pay, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself. You only pay if you’re approved.

The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself. The APR for Interest free credit is 0%.

Monthly repayments will be taken via direct debit from your bank account. The first payment is between 15- 30 days following the date of delivery of your order.

Any products listed on this website with a “Finance” payment option on product or checkout page are eligible for finance.

You can arrange finance from 6 months to 36 months, please contact us if you require a specific monthly payment and we will calculate the best rate and deposit for your needs.

Monthly repayments will be taken via direct debit from your bank account. The first payment is between 15- 30 days following the date of delivery of your order.

Yes, you have the right to repay all or part of the credit early at any time, interest rates will be adjusted accordingly. If you would like to pay off your loan early contact Omni Capital Customer Service Team.

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount until you pay it. They may also levy charges for:

- Processing any payment made other than by Direct Debit, sending arrears letters, reminders or documents to which you are not entitled

- Arrears telephone calls

- Tracing you if you move address without notifying them

- Cheques, standing orders or Direct Debits which are dishonoured, stopped or not paid by you

Please refer to the credit agreement for full details.

For any technical queries please contact Deko . If you have any queries regarding T&C’s or repayments please contact Omni Capital Customer Service Team on 0333 240 8317.

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay to the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Unfortunately we are not given the reason why a customer is declined for credit. The authorisation process is carried out by the finance company and Deko has no part in the decision. The decline message is sent to us by the lender with no explanation or justification. Sometimes, the reason for a decline is that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information.

Deko is a trading name of Pay4Later Ltd. Deko are registered in England and Wales (company number: 06447333) and authorised and regulated by the Financial Conduct Authority (register number: 728646). They enable you to apply for finance for goods with our simple online and in-store application process. For more information please visit www.dekopay.com