Finance

DEKO Logo We are pleased to have partnered with DEKO to offer our customers 12 and 24 Months Low Rate Credit (14.9% APR) or 36 Months Classic Credit (19.9% APR) on selected orders over the value of £500.

DEKO provides a simple application form for you to fill in online. 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.

How To Apply

To apply, simply add finance applicable 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 an instant decision will be provided to you. You can then sign the form digitally. Applications that are approved and have had the deposit paid by 2:30pm on a normal weekday will usually be dispatched the same day. Please see delivery information. Please see delivery information.

Please note finance is unavailable on certain items including Zeiss products, SLR cameras and lenses.

Please note promotional codes are not applicable on finance orders.

Please Note Finance orders must be sent to the home address provided in the application and cannot be sent to an alternative address.

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 technology lets you apply for and complete a loan application quickly, easily and informatively.

Check your eligibility

You will only be considered for finance if you:

  • 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

Example - 12 Months Interest-Bearing (14.9% APR)

A product costing £1699 can be purchased using the DEKO finance option with a deposit of £169.90 and 12 monthly payments of just £137.27.

Monthly Payment £137.27
Cash Price £1699
Deposit to Pay £169.90
Loan Amount £1529.10
Loan Repayment £1647.24
Cost of Loan £118.14
Total Amount Payable £1817.14
Number of Monthly Payments 12

Example - 24 Months Interest-Bearing (14.9% APR)

A product costing £1699 can be purchased using the DEKO finance option with a deposit of £169.90 and 36 monthly payments of just £73.39.

Monthly Payment £73.39
Cash Price £1699
Deposit to Pay £169.90
Loan Amount £1529.10
Loan Repayment £1761.36
Cost of Loan £232.26
Total Amount Payable £1931.26
Number of Monthly Payments 24

Example - 36 Months Interest-Bearing (19.9% APR)

A product costing £1699 can be purchased using the DEKO finance option with a deposit of £169.90 and 36 monthly payments of just £55.50.

Monthly Payment £55.50
Cash Price £1699
Deposit to Pay £169.90
Loan Amount £1529.10
Loan Repayment £1998.00
Cost of Loan £468.90
Total Amount Payable £2167.90
Number of Monthly Payments 36

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 (Uttings Ltd.) 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

Uttings Ltd. is authorised and regulated by the Financial Conduct Authority, register number 689922 and act 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.