Thinking of choosing Interest-free Credit?
Interest-free credit 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.
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
- 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.
DEKO Interest-free Credit is available on orders over £280 (UK), interest-free credit is not available on discounted 'sale' items.
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 10 months. The value of the loan needs to be over £250 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 the below:
| 0% finance over 12 months ● Total order value = £600 ● 10% deposit = £60 ● Total amount of credit = £540 ● Duration = 12 months ● Representative APR = 0% ● Interest charged = £0 ● 12 monthly payments of = £45 ● Total amount payable = £600 |
19.9% finance over 12 months ● Total order value = £600 ● 10% deposit = £60 ● Total amount of credit = £540 ● Duration = 12 months ● Representative APR = 19.9% ● Interest charged = £54.96 ● 12 monthly payments of = £49.58 ● Total amount payable = £654.96 |
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Paying with finance
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 and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.
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 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 and the lender will refund your deposit and let you know of any outstanding balance if applicable.
Legal Information
Night Spark Ltd is acting as a credit broker and not a lender. Finance is provided through the DEKO platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).
DEKO is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. 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.
Night Spark Ltd is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279). Credit is subject to status.
Company number: 05680223.
