Finance & Payment

Get your items first and pay later - with Deko
We offer finance by Omni Capital through the Deko platform.
Finance is available on all our items with a minimum total order of £300. And interest-free finance is available on orders above £750.
Representative example: £1000
Instant decision — Just select a plan at checkout
12 months plan
Minimum order value £300
APR
14.9%
Deposit
£150 (15%)
Monthly repayment
£76.31
No. of monthly repayments
12
Total to pay
with finance
£1,065.68
24 months plan
Minimum order value £300
APR
14.9%
Deposit
£150 (15%)
Monthly repayment
£40.80
No. of monthly repayments
24
Total to pay
with finance
£1,129.17
12 months interest free
Minimum order value £750
APR
0%
Deposit
£250 (25%)
Monthly repayment
£62.50
No. of monthly repayments
12
Total to pay
with finance
£1,000.00
18 months interest free
Minimum order value £1000
APR
0%
Deposit
£250 (25%)
Monthly repayment
£41.67
No. of monthly repayments
18
Total to pay
with finance
£1,000.00
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. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. 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 www.dekopay.com/support or visit www.dekopay.com.

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.
Check your eligibility:

You will only be considered for finance if you:

Are at least 18 years old.

You 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.

You 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.


FAQs (10)

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

Your total order value must be £300 or over.

Do you offer interest-free finance options?

Yes, interest-free finance is available for all orders over £750.

Do I need to pay a deposit?

Yes, you'll need to pay a deposit by credit or debit card when you place your order. For interest-free finance, it is 25% of the total order value, and for all other finance options it is 15%.

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.

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.

What if I want to return the products?

All payments will be refunded via the original payment method used when placing your order.

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.

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.

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.


Still have questions? We're happy to help

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