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Quick and Easy Finance provided by Deko

To purchase using Deko, add the qualifying item(s) to your basket and choose Deko when you are at the payment stage of the checkout. On qualifying product pages you will be shown examples of the finance packages available and the associated payment plan. Provided you are purchasing a product that qualifies for finance you can place other items into your shopping basket and then to select a finance product that fits your budget, this is done during the checkout process.

Who can apply for Finance?

  • You must be at least 18 years old
  • Employed a minimum of 16 hours per week.
  • You must be a permanent resident in the UK and supply a UK Address history for the last 3 years.
  • Have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies.
  • Retired in receipt of a private or company pension.

If you select Deko you will be directed to the Deko site, this is where you will complete your finance application. If the decision is accepted you will be asked to confirm your order and pay your deposit.

The online application takes approximately 3 minutes to complete and the application is automatically sent to the finance company who will typically respond with their decision in around 10 seconds. Some applications may take a little longer to process, if for any reason an instant decision cannot be made, Deko will send you an email the moment the finance company makes the decision.

Once you have been approved, we will be notified and process your order. We will inform Deko once the goods have been despatched.

The goods must be delivered to the address provided on the finance application, we cannot offer the option ‘collect in store’. You will then receive confirmation from the finance company to confirm the repayment amount and the schedule.

How do I repay the loan?

Your monthly repayments are collected by direct debit.

Can I pay my loan of early?

You have the right to repay all or part of the credit early at any time.

Who are Deko?

Deko are an online finance gateway that links retailers and finance companies. Deko works with reputable and established finance companies, for more information please visit www.deko.com. Deko is the trading name of Pay4Later, a UK LIMITED Company licensed by the office of fair-trading.

Pay4Later, who provide our retail finance technology, have recently rebranded to Deko.

It's still exactly the same to use but now has a new name and look. All features, functionality and finance options remain the same.

Any links provided to customers with existing credit agreements will be automatically redirected to the Deko platform.

If you have any questions for the Pay4Later/Deko team or us, please get in touch.

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. A minimum deposit of 10% is applied to online finance.

Matter Retail Ltd act as credit broker and not a lender.

Matter Retail Ltd are authorised and regulated by the Financial Conduct Authority, register number 746855.

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 refer to www.dekopay.com/faq or visit www.dekopay.com.