0% Interest Free Finance Available

 

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 technology lets you apply for and complete a loan application quickly, easily and informatively. Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!

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.

 

Our payment plan options

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6 to 36 months. The value of the loan needs to be over £400 and you can choose a deposit of up to 50% of the value of the goods.

Finance Calculator

Use the finance calculator on our product detail page to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.
Representative examples could be based on the below:

0% finance over 12 months

  • Total order value = £1000
  • 10% deposit = £100
  • Total amount of credit = £900
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £75
  • Total amount payable = £1000

9.9% finance over 12 months

  • Total order value = £415
  • 20% deposit = £83
  • Total amount of credit = £332
  • Duration = 12 months
  • Representative APR = 9.9%
  • Interest charged = £17.29
  • 12 monthly payments of = £29.11
  • Total amount payable = £432.29

Paying with finance

Simply add the purchases to your basket and select Deko at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.

Finance decision

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. It’s important to know that when applying for finance a soft credit check is done 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.

Once approved, Deko will let you know who the lender is and provide you 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 approximately 15 to 30 days 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 wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your 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 call us on 01305 231231 or email customerservice@cuckooland.com.

 


Legal Information

Cuckooland Ltd is authorised and regulated by the Financial Conduct Authority, register number 806358 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.



It’s easy to apply:

  1. Online – Simply choose your products, proceed to checkout and select ‘Finance’ as your preferred payment method. Complete our online credit application form then carefully read the agreement and related information. If you are happy to proceed, you can sign the agreement online and click a button for an instant decision. If you are approved we'll ask you to pay the deposit online using a credit or debit card.
  2. Telephone - Call our Cuckooland Customer Service Team on 01305 231231, and they will assist you with the entire process. You will be sent a link to an application form which you can fill in at your convenience. After a quick approval, your order can be placed right there and then over the telephone.

Deko will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application. However you apply, it only takes a couple of minutes and you’ll receive an instant decision.

  • 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.

The minimum spend amount excluding deposit is £400. The maximum loan amount is £15,000 (excluding deposit).

Yes. We like to keep things simple. If your credit application is accepted, 10% deposit is all you need to pay, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself. You only pay if you’re approved.

The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself. The APR for Interest free credit is 0%.

Monthly repayments will be taken via direct debit from your bank account. The first payment is between 15- 30 days following the date of delivery of your order.

Any products listed on this website with a “Finance” payment option on product or checkout page are eligible for finance.

You can arrange finance from 6 months to 36 months, please contact us if you require a specific monthly payment and we will calculate the best rate and deposit for your needs.

Monthly repayments will be taken via direct debit from your bank account. The first payment is between 15- 30 days following the date of delivery of your order.

Yes, you have the right to repay all or part of the credit early at any time, interest rates will be adjusted accordingly. If you would like to pay off your loan early contact Omni Capital Customer Service Team.

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount until you pay it. They may also levy charges for:

- Processing any payment made other than by Direct Debit, sending arrears letters, reminders or documents to which you are not entitled

- Arrears telephone calls

- Tracing you if you move address without notifying them

- Cheques, standing orders or Direct Debits which are dishonoured, stopped or not paid by you

Please refer to the credit agreement for full details.

For any technical queries please contact Deko . If you have any queries regarding T&C’s or repayments please contact Omni Capital Customer Service Team on 0333 240 8317.

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 we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay to 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. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Unfortunately we are not given the reason why a customer is declined for credit. The authorisation process is carried out by the finance company and Deko has no part in the decision. The decline message is sent to us by the lender with no explanation or justification. Sometimes, the reason for a decline is that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information.

Deko is a trading name of Pay4Later Ltd. Deko are registered in England and Wales (company number: 06447333) and authorised and regulated by the Financial Conduct Authority (register number: 728646). They enable you to apply for finance for goods with our simple online and in-store application process. For more information please visit www.dekopay.com


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Oliver Furniture 4 in 1 Cot Bed in White & Oak
The cot is set up finally! This just makes me happy! This is definitely my best gift ever especially in this situation we are in. Thanks so much for making my dreams into a reality. Love Dinie
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