0% finance for an even happier home
Improving your home can be a big investment. We make it easy to spread the cost of orders over £3,000 and offer 0% APR. Take a look at our representative examples below to see how finance could work for you.
To qualify for finance, you must:
- Have a total order value greater than £3,000, inclusive of VAT
- Place a minimum deposit of 10% of the purchase value
- Be 18 years old or over
- Be in regular, full, or part-time employment (minimum 16 hours per week, unless you are retired or a houseperson with a spouse in full time employment)
- Be a permanent UK resident and able to supply a UK address history for the last 3 years
- Have a UK bank account capable of accepting direct debits
- Have no adverse credit history (CCJs, IVAs or bankruptcies)
- Order products to be installed at your home address
- Pay the deposit using a credit or debit card.
If you can say yes to all of the above, you’re good to go.
Ready to get started?
Here’s how to apply.
- Add your chosen home improvements into the basket
- Request your home survey
- Agree and accept a final quote over the value of £3,000 inc. VAT
- When requested to pay, select the Finance option that best suits your requirements.
- Follow the on-screen prompts for your instant online decision. There’s no tricky stuff like printing paperwork required.
Want to know a little more?
Our Consumer credit service is provided by Deko. Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. They are authorised and regulated by the Financial Conduct Authority. For more information please visit http://dekopay.com/
Who are Deko?
Started in 2008, Deko are the UK’s fastest growing provider of point of sale credit. We enable you to apply for finance for goods with our simple online and in-store application process. We work with reputable, established finance companies including Omni Capital, Ratesetter, Honeycomb, Lending Works, Close Brothers, and Shawbrook Bank. 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 visit www.dekopay.com.
How does Deko work?
When you apply for credit online, Deko securely captures, formats and transmits your application to the finance company. If your application is approved, we keep the retailer and the finance company updated as your order is processed and delivered.
How do I apply for credit?
Simply complete our online credit application form then carefully read the agreement and related information. If you are happy to proceed, you can sign the agreement online and click a button to send it to the finance company for an instant decision. If you are approved, we’ll ask you to pay the deposit online using a credit or debit card. Upon receipt of your deposit payment, we’ll authorise the retailer to proceed with your order.
How long does it take to apply?
Our online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can’t give you an instant decision, we’ll send you an email the moment the finance company makes a decision.
How do I ask a question about the credit agreement?
If you have a question, there’s anything you do not understand or if you require any further information regarding the credit agreement, please call us on 0800 294 5891 or seek free, independent advice from organisations such as the Citizens Advice Bureau or the Money Advice Service.
What happens next?
We’ll authorise the retailer to process your order. The retailer will then notify us when they have delivered your order in full. The finance company will then write to you to confirm the repayment amounts and schedule.
What are the requirements?
You must be 18 years old or over.
In regular full or part time employment (minimum 16 hours per week, unless you are retired or a houseperson with a spouse in full time employment).
Be a permanent UK resident and able to supply a UK address history for the last 3 years.
You must have a UK bank account capable of accepting Direct Debits.
No adverse credit history (no CCJ’s, IVA’s or bankruptcies).
The goods must be installed at your home address.
The deposit must be paid using a credit or debit card.
Where do I obtain a VAT invoice?
We are not the business you have purchased from and therefore cannot supply a VAT receipt. Please contact the retailer you have purchased from and they should be able to assist you with your query.
Why was I declined?
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. If you wish to find out more about your credit status, please click here for a free copy of your credit report.
What if I change my mind?
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 the 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.