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.
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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.
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.
SCC Performance is authorised and regulated by the Financial Conduct Authority, register number 755068 and act as a credit intermediary.
Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. 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/faq or visit www.dekopay.com.
Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders' credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.
You will only be considered for finance if you:
Finance provided by Deko