Finance Information

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.

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 County Court
Judgments (CCJs)
' Provide an email address so your documentation can be emailed to you.

Our payment plan options

We offer a range of interest bearing finance options to help you spread the cost of your purchase over 12 to 48 months. The value of the loan needs to be over £278 and you can choose a deposit of up to 50% of the value of the goods.

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.

Representative examples could be based on below:

24.9% finance over 12 months

● Total order value =£600

● 10% deposit = £60

● Total amount of credit = £540

● Duration = 12 months

● Representative APR = 24.9%

● Interest charged = £67.86

● 12 monthly payments of = £50.66

● Total amount payable = £667.86

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.

Use of your personal data

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.

You can find out more about how Deko uses and protect your personal data in their Privacy Policy:
Deko Privacy Policy

Your lender will provide you with a copy of their Privacy Policy with your loan documents.

Deko’s registered office address is: Deko 12th floor, 6 New Street Square London EC4A 3BF

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 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.

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 (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. Your lender will refund your deposit and let you know if you have any balance to repay.

Legal Information

Gustharts Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority 946185. We do not charge you for credit broking services. We will introduce you exclusively to finance products provided by [Lender].

The Deko platform is provided by Pay4Later Ltd, t/a Deko which acts as a credit broker, not a lender and does not charge you for credit broking services. Pay4Later Limited is registered in England and Wales (company number 06447333) and is 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.