Finance Payment
Instant decision — Just select a plan at checkout
Finance calculator

Select a finance option:

Product price
Deposit -
Amount to pay per month -
Total costwith finance -

We offer finance by Omni Capital through the Deko platform. Furniture Choice Limited is authorised and regulated by the Financial Conduct Authority, register number 719600 and act as a credit broker and not a lender. We do not charge you for credit broking services. We will introduce you exclusively to finance products provided by Omni Capital Retail Finance Limited through the Deko platform. 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 or visit

Representative example (0% interest free) Product price £1000, amount of deposit payable £100 (10%), loan term 12 months, monthly repayment £75.00, total amount payable £1,000.00, delivery price £0, total amount of credit £0, rate of interest 0% fixed. Cost of credit £0, representative Annual Percentage Rate: 0% APR
Representative example (20.9% interest-bearing) Product price £1000, amount of deposit payable £100 (10%), loan term 24 months, monthly repayment £45.40, total amount payable £1,189.67, delivery price £0, total amount of credit £900, rate of interest 20.9% fixed. Cost of credit £189.67, representative Annual Percentage Rate: 20.9% APR

How to apply

Step 1

Add items to your basket and proceed to checkout.

Step 2

Select from the finance options available.

Step 3

Complete the Deko application form. You will receive an instant decision.

Step 4

Pay your deposit.

Step 5

Receive your order.

What you need to know

Used responsibly, finance is a great way to spread the cost of your purchase. We've teamed up with Deko, whose secure technology lets you complete a loan application with one or more carefully selected lenders quickly and easily. Deko is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority. Find out more about how Furniture Choice Limited and Deko are regulated under the “Legal Information” section of this page. You can find out more about Deko below

Deko connects you with lenders whose finance options are best suited for you and your purchase. As a customer of Furniture Choice Limited, your finance application will be considered by Omni Capital.

To spread the cost of your purchase, simply choose Deko at the checkout and select the finance option that suits you. The application form is quick and simple and includes help text throughout to assist you. You will receive a decision from your lender in just a few seconds.

Please be aware that finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.

Lender arrangements

All of Deko's lenders hold the required authorisation and permissions to provide you with credit. They need to meet high responsible lending standards, so you can rest assured that your application will be considered fairly and responsibly.

Whichever lender Deko introduces you to, Deko may receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders Deko works with pay commission at different rates, but the commission received does not influence the interest rate you pay. You will be offered the best rate available from Deko's partner lenders, based on the lenders' decision policies. You have the right to know the amount of commission paid in relation to your application - if you'd like this, you can ask Deko's customer support team on or by phone on 0800 294 5891.

Check your eligibility:

You will only be considered for finance if you:

  • Are at least 18 years old.
  • 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.
  • 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.
*Please note:
  • Your application must be in your name only and delivery must be to your registered address - we cannot deliver to an alternative address.
  • If your application is declined, you have the option to continue with a credit or debit card payment.
  • We can only reserve your items once your finance application has been approved and your deposit paid.
  • You have the right to withdraw from your credit agreement within 14 days following receipt of your order. Full details on how to do this will be included in your agreement.

Available finance options

We offer interest-free and interest-bearing finance options to help you spread the cost of your purchase over 12 to 24 months. The value of the loan needs to be over £350, with a minimum deposit of 10% of the value of the goods.

Understanding the numbers

We want to make sure that you understand the costs, terms and key features of the finance options available to you. You will see this information as you shop and at checkout.

Use our finance calculator at checkout to see how different loan values, terms and interest rates affect the total amount you need to pay and the monthly repayments. The finance calculator is for illustrative purposes only and is not a quote, or formal offer of finance. The offer you receive if you apply will be dependent on your personal circumstances and the lender's policies.

It's important that you understand what this information means for you before you decide to apply for finance. The numbers and information you see when taking out finance can be overwhelming and so we have provided a simple guide below to help you.

Here is an example of what you might see at checkout, with some handy explanations to help you understand what it all means. Please note that this is just an example, the format, layout and content of checkout finance calculators may vary.

Finance Calculation Example

Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the deposit, and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could impact on your finances - e.g. retirement, moving home, changing jobs, or any health issues which could affect your income or expenditure.

Alongside the finance calculator and on some of our promotional banners, you will also see the representative example. This could be written in a sentence, as shown in the example below, or in a table format:

Representative example

Cash price £1000.00, Deposit £100.00. Total amount of credit £900.00 over 24 months with an annual interest rate of 20.9% (Fixed). Monthly repayments will be £45.50 with a total repayable of £1189.67, 20.9% APR representative.

The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

As we mentioned earlier, the representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.

Whilst these numbers are there to help you understand what a loan will cost you, it's important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don't keep up with your payments.

Your personal or financial circumstances

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 or 0800 294 5891.

If you find yourself struggling due to a change in your circumstances, please contact your lender Omni Capital and their customer services team at 0333 240 8317 and ask for their help.

Use of your personal data

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.

Omni Capital will let you know where you can find more information about their privacy policy.

Still have questions?
Visit our Customer Help Centre

FAQs (20)

Will I be accepted for finance?

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.

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.

How much do I need to spend to be eligible for finance?

Your total order value must be £350 or over.

Do I need to pay a deposit?

Yes, you'll need to pay a 10% deposit by credit or debit card when you place your order.

Will there be a credit search?

Yes, Deko performs a soft credit check 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.

Will shopping on finance affect my credit score?

Shopping on finance may affect your overall credit rating. You can check with credit reporting agencies if you have any queries about your credit score before placing an order with us.

What if my finance application is declined?

You'll still have the option to continue with a credit or debit card, PayPal or bank transfer to complete your order.

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:




How do I find out more about the information in my credit agreement?

Before signing your credit agreement, you will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms. If you have any questions about the information in your credit agreement before you sign it, Deko's customer support team can help - you can contact them on or by phone on 0800 294 5891.

Who should I contact if I have a question about my loan?

For any questions about your loan, such as your Direct Debit or updating your personal details, please contact your lender Omni Capital and their customer services team at 0333 240 8317. Their contact details will be provided throughout your application and on any communications you receive about your finance application.

I'm having problems paying my deposit online

Please contact Deko customer support at or 0800 294 5891.

When will I receive a copy of my loan agreement?

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.

How do I make my monthly payments?

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

How do I manage my payments?

You’ll be able to manage your account and any active loans by contacting your lender Omni Capital directly and speaking to their customer services team at 0333 240 8317.

When do I start making payments?

Your first Direct Debit payment will be taken approximately 14 days after you receive your order. This will show on your statement as a payment to your lender Omni Capital. You can request to change your monthly payment date after the first payment has been made by contacting Omni Capital and speaking to their customer services team at 0333 240 8317.

Can I request delivery to an address other than my home address?

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

What if I want to amend my order?

If you have been approved for finance, the amount or term cannot be amended. You will need to call us on 0333 015 0000 or email us at 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.

What if I haven't received my order?

Please call us on 0333 015 0000 or email us at and we will help you.

How do I change my Direct Debit details?

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.

Are there any fees or charges to pay?

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.

What if I want to cancel my finance agreement?

Where you do have the right to cancel the finance agreement, you must do this within 14 days of entering into the finance agreement which is effective from the date of receipt of your goods.

To cancel your finance agreement, please arrange to return your purchase with us. Where possible, please return items in their original packaging.

If you wish to return your item please see our returns page.

Once we have completed your return, we will advise your lender Omni Capital to cancel your finance agreement and refund any payments that have been made, including deposit payments. Your finance agreement can only be cancelled by your lender once your purchase has been refunded by us.

What happens to my loan if I want to return my order?

If you are not satisfied with your purchase you can return it up to 30 days after delivery and receipt. You can return an item for any reason, free of charge, as long as you let us know within 30 days of receipt and it's in its original condition. Where possible, please return items in their original packaging.

If you wish to return your item please see our returns page.

In this case, we will notify your lender Omni Capital to reduce your loan amount or cancel your finance agreement in the case of a full refund. You will receive confirmation from your lender within 3-5 business days after we received your return.

What if I need to contact my lender about my finance?

If you have an active application, i.e. monthly payments have started, and any queries about your finance, contact your lender Omni Capital directly and speak to their customer services team at 0333 240 8317.

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