Finance Payment Plan

What is Deko?

Deko is a retail finance provider, here to support you in making those purchases that matter most both easy and affordable.

Applying to Deko:

At the online checkout please choose ‘Deko’ as your preferred payment method. You will then be redirected to the payment provider to complete your finance application. You will next be asked to fill in your details and your credit application will be assessed.

How do I qualify for credit?

Deko will carry out the essential credit checks and check your references in order to confirm eligibility for the credit application. An application is more likely to be accepted if you have a good credit history without a record of payment issues or late repayments.

How much am I able to spend with Deko?

The maximum lending amount in addition to the upfront deposit is £25,000 (with a total purchase price of £50,000 with 50% deposit).

Do I need to pay a deposit?

A deposit is required for all orders made using Deko and depending on the finance plan you have selected, the deposit options range from 10% to 20% minimum deposit. However, you are able to pay a larger amount upfront should you wish to do so.

How do I make my monthly repayments?

Monthly repayments will be taken via a direct debit set up with your chosen bank account.

What can I buy using Deko?

You are able to purchase all our jewellery priced over £650 through the Deko option.

Can I pay off my loan early?

Yes, you can repay your loan in part or in full at any time throughout the life of the agreement without incurring any additional fees. You will only pay interest on the outstanding balance up until the date it is paid off.

Can I cancel the finance agreement?

Yes, you can cancel this agreement within 14 days of receiving the goods. If you intend on keeping the items then you will need to settle the balance with an alternative method of payment.

Standard information and regulatory status of Pay4Later Ltd:

Consumer credit service is provided by Pay4Later Ltd. Deko 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 or visit Finance is provided through the Deko 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

An example of credit plan:

Total Product Value - £5,000
Deposit (50%) - £2,500
Amount of credit - £2,500
Payable by 10 monthly instalments of - £250
Other Charges - £0
Total amount payable APR typical 0% - £5,000