Thinking of choosing finance?
Used responsibly, a loan is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.
Deko is a credit broker, not a lender. Deko’s secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase. As a customer of Khyam (UK) Ltd, your finance application will be with Duologi.
Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!
Check your eligibility
Before you apply, please note that 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 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living 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, County Court Judgments or bankruptcies.
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 to 60 months. The value of the loan needs to be over £250 and no more than £15,000. You can choose a deposit of up to 50% of the value of the goods.
|0% Finance over 12 months||12.9% finance over 60 months|
|● Total order value = £600
● 10% deposit = £60
● Total amount of credit = £540
● Duration = 12 months
● 12 monthly payments of = £45
● Interest rate(fixed) = 0%
● Interest charged = £0
● Total amount payable = £600
● Cost of Credit = £0
● 0% APR Representative
|● Total order value = £1,500
● 10% deposit = £150
● Total amount of credit = £1,350
● Duration = 60 months
● 60 monthly payments of = £30.16
● Interest rate(fixed) = 12.9%
● Interest charged = £459.78
● Total amount payable = £1,959.78
● Cost of Credit = £459.78
● 12.9% APR Representative
Paying with Finance
Simply add the purchases to your basket and select Deko at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
Take a look at our products available with finance and shop now
Will I be accepted for finance?
Whether you're accepted for finance or not depends on many different factors. At Duologi they have a dedicated credit team that uses their bespoke credit engine to help them reach decisions. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision. This search will appear on your credit file and will be visible to other lenders if you apply for credit with them in future.
In some cases, your application will be referred for further assessment. You may be asked to provide some more information to help Duologi make their decision. If this does happen, you will be told whether your application has been accepted as soon as the decision is made.
What do I do if I have been declined?
If your application was declined, Duologi may be unable to give you specific reasons why. Duologi uses 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 feel free to contact Duologi via email at firstname.lastname@example.org or call them on 0345 5211 881 Option 2.
You can also contact the Credit Reference Agencies if there is a mistake on your credit report:
Experian - https://www.experian.co.uk/
Equifax - https://www.equifax.co.uk/Products/credit/credit-score.html
TransUnion - https://www.transunion.co.uk/
I have a question about my finance agreement who should I contact?
Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at email@example.com
I want to change my Direct Debit details.
Changing your payment date can only be done after the first payment has been taken. . Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at firstname.lastname@example.org
I want to update my personal details.
Please contact Duologi's after-sales support team on 0345 5211881 (option 2) or via email at email@example.com
I'm having problems paying my deposit online
We’re sorry to hear this. Please contact Deko's customer support team at firstname.lastname@example.org or by phone on 0800 294 5891.
When will I receive a copy of my loan agreement?
As part of your application on the Deko platform, you will be presented with pre-contractual information and a copy of your credit agreement for you to digitally sign. Please take time to check the details in these documents are correct and that you understand the amount and frequency of your payments before you sign. Once your deposit has been paid, a copy of your e-signed credit agreement will be emailed to you.
You can get a copy of your loan agreement by contacting email@example.com
Payments and Order
How do I make my monthly payments?
Your payments will be taken by Direct Debit using the details you provide during your application. If you’d like, you can make additional payments by debit or credit card.
Can I request delivery to an address other than my home address?
In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to your home address.
I want to amend my order.
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. All credit applications will leave a credit "footprint" on your credit history.
I haven't received my goods or service.
Please contact us (your retailer) and we will help you.
What should I do if I can’t make my payments?
If you find that you’re struggling to make your payments, you should contact Duologi as soon as possible. They will work with you to come to a repayment solution that meets your needs and does not put you at risk of wider financial difficulties. Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at firstname.lastname@example.org.
Cancellations and Returns
I want to return my goods and cancel my finance agreement.
You will have a 14-day cooling off period, during which you can cancel your finance agreement.
To cancel your finance agreement, you will need to contact us (your retailer) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Duologi to cancel your finance agreement and refund any payments that have been made.
If you have made an in-store application, we will refund any deposit payments that you made.
Please note: in some cases and depending on the nature of the product or service you have purchased, you will not be able to return your goods. Our terms and conditions will explain the types of goods that cannot be returned.
What happens to my loan if I want to return my order?
There is a 14-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application. Your lender will refund your deposit and let you know if you have any balance to repay.
For any other questions contact us here
Unfortunately, things sometimes go wrong. If you have cause to complain about the service you’ve received from us, Deko or Duologi, you can make a complaint either by phone or in writing.
To complain about our goods or services, please contact us here and we will aim to resolve your complaint as quickly as possible. More information about our complaints handling process can be found in our terms and conditions.
If your complaint is about your finance agreement, you should contact Duologi:
Correspondence address is: The Square, Arena, Basing View, Basingstoke RG21 4EB
Contact Number for Complaints is: 0330 1188938
E-mail address for Complaints is: email@example.com
Their complaints policy sets out all you need to know to help you raise your complaint with them. For further information please visit https://duologi.com/complaints/
Still have questions?
For any questions related to Financing please contact Duologi Finance on 0345 5211881 (option 2). Please visit Duologi for a list of FAQs: https://duologi.com/faqs/consumer/#faqs-nav
For any questions related to the Finance application, Please visit Deko for a list of FAQs: https://www.dekopay.com/customer-support
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 will need to share your personal data with Duologi the lender so that they can make a decision about whether to offer you finance. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision.
You can find out more about how Deko and Duologi use and protect your personal data in their Privacy Policies:
Khyam UK Ltd (Trading as Khyam) is acting as a credit broker and not a lender. Finance is provided through the Deko platform by Duologi, a trading name of Specialist Lending Limited. Specialist Lending Limited is authorised and regulated by the Financial Conduct Authority (register number 774712).
Deko is a trading name of Pay4Later Ltd which acts as a credit broker, not a lender and does not charge you for credit broking services. Pay4Later Limited is registered in England and Wales (company number 06447333) and is authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com
Khyam (UK) Ltd (Trading as Khyam) is acting as a credit broker, not a lender. Finance is provided through the Deko platform by Duologi, a trading name of Specialist Lending Limited. Specialist Lending Limited is authorised and regulated by the Financial Conduct Authority (register number 774712).
Khyam (UK) Ltd , Company number: 12278425, Registered address 10 Winchester Avenue, Blaby, Leicester LE8 4EZ.