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With Deko, customers can choose to pay now or later, online or mobile, or over the phone. Our fully automated credit application process is designed mobile-first and with the customer in mind. We use the latest in user experience design to keep it quick, simple and to keep customers moving through the purchase funnel.

Quick & Easy

Using Deko's "instant decision" technology you will be able to apply for credit online when you spend £280 or more on our website.

Interest Free

At the checkout you will be given the option to pay a minimum of 10% deposit and pay the outstanding balance over 6 or 12 months (0% interest).

How Deko Works

  • Find the product(s) you would like to purchase and add them to the basket.

  • If the basket total is more than £280 you will be offered the option to pay using Deko at the checkout.

  • You will be directed to Deko's website where you will go through a credit application. If successful you will pay a deposit (minimum 10%), then pay the outstanding balance monthly.



Order Total


  • 1


    Choose your desired deposit percentage amount - 10%, 20%, 30%, 40%, 50% e.g.


  • 2


    Choose the package plan length that suits you - 6 or 12 months e.g.

    12 Months

  • 3


    Make small, manageable monthly payments based on your previous 2 options e.g.


  • Are there any extra fees involved?

    No there are no extra fees involved.

  • Who can apply?

    Sorry applications from students, unemployed and single house persons will not be considered.

  • When will I receive my item?

    Your item will be processed after the initial installment.

  • Will this application leave a footprint on my credit record?


  • What happens if my credit application is rejected?

    Don't worry you will be able to return to checkout and use a credit or debit card, or PayPal to complete your purchase.

  • What if I have a bad credit?

    The Deko application process will check your credit record at the point that you submit your application. If your credit score is poor your application may be referred to an underwriter or even declined. If you feel this was in error then we recommend contacting Citizens Advice who will be able to help you understand your credit history and correct any errors.

  • About this consumer credit service

    Consumer credit service provided by Deko in association with Retail MoneyMarket Ltd trading as Ratesetter. Deko is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit

    Ratesetter is authorised and regulated by the Financial Conduct Authority (FCA) with the reference number 633741. Ratesetter is not covered by the Financial Compensation Scheme. Registered offices are at 406 Great Guilford Business Square, 30 Great Guilford Street, London SE1 0HS. For more information please