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Home  /  Help  /  Deko - Finance

 Spread the cost of your purchase

 

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 Cuckooland and Deko are regulated. under the “Legal Information” section of this page. You can find out more about Deko here

Deko connects you with lenders whose finance options are best suited for you and your purchase. As a customer of Cuckooland your finance application will be considered by Omni Capital. If they decline your application, Deko will present your application to another lender with different acceptance criteria, so you have a second chance to be approved.

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 support@dekopay.com or by phone on 0800 294 5891.

Check your eligibility

To be considered for finance, you will need to meet all of the following criteria:

  • Are at least 18 years old
  • You have a gross annual income of £200 per week
  • 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
  • A valid debit or credit card in order to pay the deposit amount
  • Have a credit history with no recent defaults or late payments
  • Have no active debt relief orders, County Court Judgements (CCJs), Individual Voluntary Agreement (IVA) or bankruptcies)

Deko works with a carefully selected panel of lenders. Each lender’s eligibility criteria will be different and so if you do not meet the criteria for a particular lender, your application may be passed to another lender on Deko’s panel for consideration.

Available finance 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 60 months . The value of the loan needs to be over £600 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods.

Understanding the numbers

Deko wants 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 Deko has 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.

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, or in a table format as shown in the example below.

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.

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:

understanding numbers diagram

Representative Example

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

13.9% finance over 24 months

  • Total order value = £1885
  • 20% deposit = £377
  • Total amount of credit = £1508
  • Duration = 24 months
  • Representative APR = 13.9%
  • Interest charged = £214
  • 24 monthly payments of = £71.25
  • Total amount payable = £2099

Paying with finance

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.

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. 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.

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.

Your loan 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 support@dekopay.com or by phone on 0800 294 5891.

Cancellation and returns

Please see our cancellation policy. 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 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.

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.

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 support@dekopay.com or 0800 294 5891. If you find yourself struggling due to a change in your circumstances, please contact your lender 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. Your lender will let you know where you can find more information about their privacy policy.

Legal information

Cuckooland Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority FRN 806358. We do not charge you for credit broking services. We will introduce you exclusively to Omni Capital Retail Finance Ltd finance products provided by Omni Capital Retail Finance Ltd through the Deko platform.

Still have questions?

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 please contact Omni Capital Customer Service Team on 0333 240 8317.

Apply online or by telephone:

  1. Online – 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 £600. 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%.

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

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 our customer support on 01305 231231 or customerservice@cuckooland.com 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.

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.

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.

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 questions about your loan, such as your Direct Debit or updating your personal details, 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.

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

Please contact Deko customer support at support@dekopay.com or 0800 294 5891.

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.

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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