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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. Your lender will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time. It’s important to know that if your application is accepted, a ‘hard’ credit check may be made on your credit file. Only you can see that a ‘soft’ search has been made on your credit file, but a ‘hard’ credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file. If you don’t meet the first lender’s criteria, then Deko will pass your application to another lender from their panel who may be able to lend to you. Once approved, Deko will let you know who the lender is and how to contact them. You will then need to e-sign your credit agreement, pay your deposit (if applicable) 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 your application was declined, your lender may be unable to give you specific reasons why. Lenders use information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please contact your lender – their contact details will appear on the email informing you that your application was declined. You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report: Experian Equifax TransUnion

For any questions about your loan, such as your Direct Debit or updating your personal details, please contact your lender. Their contact details will be provided throughout your application and on any communications you receive about your finance application.

Please contact Deko customer support at [email protected] or 0800 294 5891. They are open Monday to Friday from 8am to 8pm.

You will be presented with an unsigned copy of your credit agreement for you to sign once your lender has made their decision. Once you have signed your credit agreement, your lender will also sign it and a copy will be available for you to download. These will also be emailed securely to your given email address. If you need a copy of your agreement at any point after this, you can request this from your lender. The terms of your loan agreement will set out your right to withdraw. You may be able to withdraw from your loan agreement within 14 days. However, if you do so, you will still be responsible to pay for your goods by another payment method.

Your lender will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.

In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.

Please contact us at <a href=”mailto:[email protected]”>[email protected]</a> and we will help you.

Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.

There is no fee for processing your application, and Deko does not charge you for its credit broking services. Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.

Please see our Terms and Conditions . Some products cannot be cancelled, for example, made-to-order or bespoke goods, so you should check this before you complete your purchase. Where you do have the right to cancel, you must do this within 14 days of entering into the finance agreement. To cancel your finance agreement, please contact us (your retailer) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise your lender to cancel your finance agreement and refund any payments that have been made. If you made your purchase in-store, we will refund any deposit payment that you made. Your finance agreement can only be cancelled by your lender if your purchase is cancelled with us.

If you are not satisfied with your purchase you can return it up to 14 days after delivery. In this case, we will notify your lender to reduce your loan amount accordingly. You will receive confirmation from your lender within 3-5 business days after we received your return in cases where a full refund is processed.

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which agreement is made or, if later, the date on which the lender will tell you that they have signed the agreement). If you wish to withdraw you must give your lender notice in writing or by telephone or email. The name and contact details of your lender will be clearly shown on your credit agreement. Please note that if you do give notice of withdrawal, you must repay the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it.

It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, Deko and your lender will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.

If you’re struggling at any point with your application online, or you don’t understand anything, please contact Deko’s customer support team at [email protected] or 0800 294 5891.They are open Monday to Friday from 8am to 8pm

If you find yourself struggling due to a change in your circumstances, please contact your lender and ask for their help.

In order to process your application, you will be asked to provide information about your personal, employment and financial situation. Deko share your personal data with their partner lenders so that they can make a decision about whether to offer you finance. Lenders perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to enable them to make their decision. You can find out more about how Deko uses and protects your personal data in their Privacy Policy Your lender will let you know where you can find more information about their privacy policy.

If you still have questions about your finance application or need some help completing it, check out Deko’s FAQs here. For any questions related to finance, please contact your lender. Their contact details will be provided throughout your application and on any communications, you receive about your finance application.