Customer Services
Finance
We are pleased to have partnered with Deko to offer our customers 12 Months Interest Free Finance (0% APR),
24 Months Low Rate Credit (9.9% APR) or 36 Months Classic Credit (19.5% APR) on selected orders over the value of £500.
Deko provide a simple application form for you to fill in online, with no paperwork to sign and an instant decision.
How To Apply
To apply, add products over the value of £500 to your basket. On the basket page, simply click 'Apply For Finance', check the value of your order and fill in the online Deko finance application form. The form only takes a few minutes to fill in and Deko will give an instant decision in the majority of cases. You can sign the form digitally with no need to wait for paperwork through the post. Applications that are approved and have had the deposit paid by 2:30pm on a normal weekday will usually be despatched the same day. Please see delivery information.
Please note finance is unavailable on certain items including Zeiss products, SLR cameras and lenses.
Example - 12 Months Interest Free Credit (0% APR)
A product costing £539 can be purchased using the Deko finance option with a deposit of £53.90 and 12 monthly payments of just £40.42.
| Monthly Payment | £40.42 |
|---|---|
| Cash Price | £539.00 |
| Deposit to Pay | £53.90 |
| Loan Amount | £485.10 |
| Loan Repayment | £485.04 |
| Cost of Loan | £0.00 |
| Total Amount Payable | £539.00 |
| Number of Monthly Payments | 12 |
Example - 24 Months Low Rate Credit (9.9% APR)
A product costing £1685 can be purchased using the Deko finance option with a deposit of £168.50 and 24 monthly payments of just £69.61.
| Monthly Payment | £69.61 |
|---|---|
| Cash Price | £1685 |
| Deposit to Pay | £168.50 |
| Loan Amount | £1516.50 |
| Loan Repayment | £1670.64 |
| Cost of Loan | £154.14 |
| Total Amount Payable | £1839.14 |
| Number of Monthly Payments | 24 |
Example - 36 Months Classic Credit (19.5% APR)
A product costing £1955 can be purchased using the Deko finance option with a deposit of £195.50 and 36 monthly payments of just £63.56.
| Monthly Payment | £63.56 |
|---|---|
| Cash Price | £1955 |
| Deposit to Pay | £195.50 |
| Loan Amount | £1759.50 |
| Loan Repayment | £2286.16 |
| Cost of Loan | £528.66 |
| Total Amount Payable | £2483.66 |
| Number of Monthly Payments | 36 |
Deko is a trading name of Pay4Later Ltd who act as a credit intermediary for Close Brothers Retail Finance. 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 see Close Brothers' FAQ or visit www.dekopay.com.
