Payment on Finance

Thinking of choosing finance? 

Finance 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. 

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’ll receive a decision instantly. Easy! 

Check your eligibility 

You will only be considered for finance if you:

  • Are at least 18 years old
  • Have a regular income of £200 per week
  • 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 credit history with no recent defaults or late payments
  • Have no active debt relief orders, County Court Judgments (CCJs), Individual
    Voluntary Arrangement (IVAs) or bankruptcies
  • Provide an email address so your documentation can be emailed to you

Our Payment Plan Options

We offer a range of finance options to help you spread the cost of your purchase over 12 to 36 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 Calculator

Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

Representative examples could be based on the below:

19.9% finance over 18 months

  • Total order value = £1200
  • 10% deposit = £120
  • Total amount of credit = £1080
  • Duration = 18 months
  • Interest Free Pay-off period = 13 Weeks
  • Representative APR = 19.9%
  • Interest charged = £155.16
  • 18 monthly payments of = £68.62
  • Total amount payable = £1355.16

29.9% finance over 18 months

  • Total order value = £1200
  • 10% deposit = £120
  • Total amount of credit = £1080
  • Duration = 18 months
  • Interest Free Pay-off period = 13 Weeks
  • Representative APR = 29.9%
  • Interest charged = £228.06
  • 18 monthly payments of = £72.67
  • Total amount payable = £1428.06

19.9% finance over 36 months

  • Total order value = £1200
  • 10% deposit = £120
  • Total amount of credit = £1080.00
  • Duration = 36 months
  • Interest Free Pay-off period = 13 Weeks
  • Representative APR = 19.9%
  • Interest charged = £321.12
  • 36 monthly payments of = £38.92
  • Total amount payable = £1521.12

29.9% finance over 36 months

  • Total order value = £1200
  • 10% deposit = £120
  • Total amount of credit = £1080
  • Duration = 36 months
  • Interest Free Pay-off period = 13 Weeks
  • Representative APR = 29.9%
  • Interest charged = £479.88
  • 36 monthly payments of = £43.33
  • Total amount payable = £1679.88

Paying with Finance

Simply add the purchases to your basket and select Pay by Finance 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

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 Snap Finance Ltd - the lender, so that they can make a decision about whether to offer you finance. Snap Finance 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 Snap Finance Limited use and protect your personal data in their Privacy Policies:

Deko Privacy Policy

Your lender will provide you a copy of their Privacy Policy with your loan documents.

Deko's registered office address is: Deko 12th floor, 6 New Street Square London EC4A 3BF

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. 

The loan amount, loan term and interest rate the lender is willing to offer you will be decided based on these checks and the lender's decisioning policies. 

Once approved, Deko will provide you with full details about your lender, including how to contact them. 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. 

Cancellation

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 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 and the lender will refund your deposit and let you know of any outstanding balance if applicable.  For any other questions, please call us on 01604 859800 or sales@northantstools.co.uk. 

Legal Information

Pro Tiler Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FRN 820728). We do not charge you for credit broking services. We will introduce you exclusively to finance products provided by Pro Tiler Ltd.

The Deko platform is provided by Pay4Later Ltd, t/a Deko 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 regualted by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.