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Finance Information

DEKO PayOmni Capital


We're pleased to now offer finance payment options on any purchase with a total order value of £250 or more with our finance partners DEKO.

Instant decision - No paperwork!

Our online retail finance partner is DEKO and credit is provided subject to status via Omni Capital. Please note we can only deliver goods to the registered address used in any finance application.
Choose a finance plan that suits you.

Using our simple DEKO calculator found on finance qualifying product pages, or on our listing pages you can choose from a minimum of 10% deposit. You can also determine the finance period 6 months, 10 months or 12 months 0% interest free. As you make your selections the calculator will display all the relevant repayment detail.

Frequently asked questions

How do I apply?
You can apply on our web site for any product or products totaling over £250 by selecting the APPLY FOR FINANCE payment option at the checkout stage. This will only appear at the checkout stage for orders with a total value of £250 plus.

Is a deposit required?
Yes. A minimum 10% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What can I purchase?
You can purchase any physical products we sell on the site with a minimum order total of £250.

To apply for finance you must meet the following criteria:

  • You must be over 18 years of age. You must be a UK resident with at least 3 years continual address history. You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • You must have a UK bank account capable of accepting Direct Debits. The goods must be delivered to your home billing address.

Consumer credit service provided by DEKO (Pay4Later) in association with Omni Capital. DEKO (Pay4Later Ltd) is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit

Omni Capital Retail Finance Ltd is registered in England and Wales, Reg No 7232938.

Registered address: 10 Norwich Street, London, EC4A 1BD.

Authorised and regulated by the Financial Conduct Authority, Firm Reference Number: 720279. - See more at: