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 smart technology lets you apply for and complete the loan application quickly and entirely online.
Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and then choose Deko. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!
Before proceeding with any finance application, we suggest contacting us to verify stock levels. If you place an order and the item is out of stock, you will be left with a search on your credit file which may not be able to be removed.
Check Your Eligibility
You will only be considered for finance if you:
- Are at least 18 years old
- You're in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
- 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
- Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
- Provide an email address so your documentation can be emailed to you.
Our Payment Plan Options
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over a period of between 6 to 48 months. The value of the loan needs to be over £250 (total order minimum £280 (£250 Loan + 10% Minimum Deposit)) and you can choose a deposit of up to 50% of the value of the goods.
Representative examples would be:
|0% finance over 12 months||12.9% finance over 12 months|
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.
Take a look at our products available with finance and shop now.
Once approved, Deko will let you know who the lender is and provide you with their full contact details. 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 a 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 about a month 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 (your retailer) directly. We can cancel the application on your behalf once the goods have been returned to us. 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 and the lender will refund your deposit and let you know of any outstanding balance if applicable.
For any other questions contact us on telephone or email.
Telephone number: 0151 236 7800
All Enquiries email: firstname.lastname@example.org
The Legal Bit
Studiocare is authorised and regulated by the Financial Conduct Authority, register number 778381 and act as a credit intermediary.
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 go to www.dekopay.com/support or visit www.dekopay.com.