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The Deko Service

Pay 4 Later

Offering point of sale finance, Deko are well established in the retail space as finance solution providers and are regulated by the FSC.

Finance Option

  • 12 Month Finance Plan
  • Small Monthly Payments
  • Flexible Terms

Easy Application

  • 5 Minute Form
  • Fast Decision
  • Reputable provider

Apply Today

Example Breakdown

Below Is A Typical Breakdown Of A 12 Month Finance Plan

Purchase Price
(includes 9.99 delivery)

£

Deposit Payment

£

Interest Rate

%

Monthly Payment

£

Total Payment

£

Finance FAQs

Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy. If you have any concerns you can find out your credit rating before making an application on websites such as Experian, this may help you form a decision about whether making an application is right for you or not.
Yes. You may repay the loan early, either in part or in full by giving notice and by repaying the appropriate amount, this may include a rebate. Upon receipt of the request Deko will inform you of your repayment options.
This is often possible but is at the discretion of the Deko service. If you wish to make additional payments you will be advised to call and discuss the matter with them.
Yes. Deko allow for a greater deposit amount than the standard 10% provided the total amount to finance does not fall below the minimum finance amount required. They are also able to offer varied contract lengths such as 6, 9 and 12 months plans.
If you miss any repayments you will incur extra charges, your credit record may be affected and you may find it more difficult to obtain credit in the future. If you feel you may have difficulty in making a payment call Deko to discuss your situation in advance to see what may be able to be done to assist you.
Yes. 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 a period of 14 days, beginning the day after the day on which you receive a second copy of the executed agreement.

Deko disclaimer

Consumer credit service is provided by Pay4Later Ltd. Pay4Later is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to Pay4Later's FAQ or visit dekopay.com.

Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.