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Help and FAQs > 0% Finance from Deko


0% finance from DEKO
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 smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once at checkout select the finance option that suits you and then choose Deko. The quick application form should take no more than a couple of minutes to complete and you'll receive an instant decision. Easy!

Check your eligibility

You will only be considered for finance if you:
- Are at least 18 years old
- Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
- 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
- Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
- Provide an email address so your documentation can be emailed to you.

Our payment plan options:

We offer a range of interest-free and finance options to help you spread the cost of your purchase over 12 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.

Representative Example:

0% finance over 12 months
Total order value = £600
Minimum 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

Paying with finance

Simply add the purchases to your basket and select Pay4Later at checkout. You'll then be taken to the application form, which takes just a few minutes to complete. Finance is available on selected products only, this will be indicated on the product page and in the basket and checkout stages.

Finance decision

Once approved, Deko will let you know who the lender is and provide 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 about a month 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 want to do this, you need to notify the 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.


For any other questions contact us on telephone (02380 634120) or email (sales@bluearan.co.uk)

Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. 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/faq or visit www.dekopay.com.

0% Finance is available to consumers only, as this is a personal finance offer. Businesses and business customers are not eligible for 0% Finance from Deko.

Our Price Match and 0% finance can not normally be used in conjunction with each other, except in the instance that the competing company is also offering comparable 0% finance. Please check with the sales office for eligibility.

Orders paid via Finance options may only be shipped to the address used on the credit application.