0% finance is available on jewellery above £500.00, payable by 6 equal monthly payments with a 50% deposit. We also offer our customers the opportunity to pay by instalments for jewellery that is above £275.00. We offer 15.9% interest rate credit, which can be payable over 12, 24 or 36 months, with a 10% deposit.
0% APR Finance Example
|Amount of credit
|Cost of loan
|Total amount payable
|Payable by 6 monthly payments
15.9% APR Finance Example
|Amount of credit
|Cost of loan
|Payable by 12 monthly payments
What Is The Cost Of The Loan?
The cost of the loan will vary depending upon the repayment duration of 12, 24 or 36 months.
Finance examples shown above are subject to status. Terms and conditions apply.
Consumer credit service provided by DEKO (formerly Pay4Later) in association with Omni Capital Retail Finance. DEKO is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit https://www.dekopay.com/
Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority, licensed by the Office of Fair Trading and a member of the Finance & Leasing Association. For more information please visit http://www.omnicapitalretailerfinance.co.uk.
How To Apply?
You can apply by selecting this method of payment at the final stage of the checkout process. It only takes a couple of minutes and you'll get an instant decision.
Do I Qualify For Finance And What Do I Need?
To apply for finance you must meet the following criteria:
- You must be over 18 years of age.
- You must be a UK resident with at least 3 years continual address history.
- You must be in full time employment, unless retired or a house person with a spouse in full time employment.
- You must have a UK bank account capable of accepting Direct Debits.
- The goods must be delivered to your home address.
The Benefits Of Buying Jewellery With Finance
- Buy the jewellery you want with just a 50% deposit and just 6 monthly payments.
- Choose 12, 24 or 36 months repayment periods, available at 15.9% interest rate.
- Invest in more expensive jewellery now but with low monthly payments.
- One stop shopping, no need to go to the bank to secure a loan.
- Keep cash for day-to-day expenses.
- Fixed payments allowing you to budget effectively.
Frequently Asked Questions
Please take a moment to read through a selection of the most commonly asked questions we receive about finance. If you cannot find a response to a question you might have, please do not hesitate to get in touch on 0800 072 1170 0800 072 1170.
0% interest is available on all jewellery for sale above £500.00, payable by 6 monthly payments and a 50% deposit. We also offer our customers the opportunity of paying by instalments on jewellery above £275.00. We offer 19.5% interest credit which can be payable over 12, 24 or 36 months and with a 10% deposit.
Yes, a minimum 50% deposit will need to be paid upon acceptance for 0% interest loans and 10% deposit for 19.9% interest loans.
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your loan term, on that day of the month.
You can purchase anything you like, as long as it meets the criteria set out here. Please remember that the minimum order value for finance is £500.00 for 0% interest loans and £250.00 for 19.9% interest loans.
Length of repayment is 6 months for 0% interest loans and you can choose a 12, 24 or 36 month loan repayment period for our 15.9% interest loans.
You can apply on our website. Simply follow the checkout process, once you have selected the items you want, and select DEKO as a payment method.
You can settle your loan agreement at any time. Simply get in touch with DEKO and they will calculate the outstanding balance and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.
Get In Touch
If you would like to talk to our friendly Customer Care Team about any of the finance issues outlined above, please get in touch on 0800 072 1170 0800 072 1170 , or enter into a Live Chat as you prefer.