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Interest Free Credit Options Available!

DekoPay: 0% and Low Rate Finance

Consumer credit service is provided by DekoPay Ltd. DekoPay is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to or visit


Thinking of choosing finance?

Please note that no form of discount or promotion may be offered on any credit orders. Minimum Loan Amount is £250 after deposit.

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the purchases (not eligible on sale items) to your basket and select "Apply For Credit" as your "Payment Method" at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete. Easy!

Once your application has been accepted you will need to digitally sign your agreement and pay the agreed depsoit (between 10% - 50%) directly to DekoPay. Then just wait for our call to arrange delivery of your item/s to you.


Check your eligibility

You will only be considered for finance if you:
• Are at least 18 years old
• Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
• 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
• Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
• 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, 12 or 24  months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.


Finance Options

Term APR Minimum Spend Minimum Deposit Minimum Credit Balance
6 Months 0% £500 £50 £250.00
12 Months 9.9% £500 £50 £450.00
24 Months 14.9% £500 £50 £450.00


Example 1 (based on 6 months Interest Free Credit)

Interest rate 0% fixed  
Cash Price £1,000
Less deposit (minimum 10%) £100
Amount of credit £900
Payable by 6 monthly installments of £150
Total amount payable £1,000
0% APR representative -


Example 2 (based on 12 Months Low Interest Rate Credit)

Interest rate 9.9% fixed  
Cash Price £1000
Less deposit (minimum 10%) £150
Amount of credit £850
Payable by 12 monthly installments of £74.52
Total amount payable £1044.24
9.9% APR representative -


Example 3 (based on 24 Months Low Interest Rate)

Interest rate 14.9% fixed  
Cash Price £1000
Less deposit (minimum 10%) £150
Amount of credit £850
Payable by 24 monthly installments of £40.80
Total amount payable £1129.20
14.9% APR representative -


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 hard credit check is made which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide 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 about a month 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.



There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the 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.


Order Returns

Please note when considering returning items bought with these Finance Options, the order must be returned in full to Quatropi Ltd.

This means that if, for example, you have purchased 3 items through the Finance Option but would like to return 1 of those items then all 3 items must be returned back to us in full.


Declined Credit Applications

If your application is declined by DekoPay Ltd, you will be notified shortly after submitting the online form.

You will have the option to print the declined letter which will provide you with an overview of why your application has been cancelled.

You also have the option to request your credit details from Experian for an administrative fee of £2. You will need to post a cheque, along with your name and address details to the address below.

Experian Help Service
P.O. Box 8000
NG1 5GX.

If you still feel unhappy about the decision, you can write to Ratesetter Ltd and request further details about your application. Please clearly state the reason that you are writing and provide your name, address and postcode. Post these details to:

6th Floor
55 Bishopsgate