Finance – Complaints

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 smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once at checkout select the finance option that suits you and then choose Deko. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!

Interest free credit is available on selected purchases of £2000 or more (Limit is £12,000) 
You can apply online – it’s quick, easy and you’ll get an instant decision. 

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                                    

0% APR finance available for 12 months (orders over £2000).

We also offer 9.9% APR finance up to 48 months (orders over £2000). For all our finance options you can choose to pay a deposit of between 10% and 50% of the value of the goods. 

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.

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 you 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.

Cancellation                        

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.

For any other questions contact us on telephone or email.

The Legal Bit                                                                                             

Furniture Plus is authorised and regulated by the Financial Conduct Authority, register number 7750115 and act as a credit broker and not a lender.

Furniture Plus is a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. 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/support or visit www.dekopay.com.

Representative examples could be based on the below

0% finance over 12 months

● Total order value = £2000

● 10% deposit = £200

● Total amount of credit = £1800

● Duration = 12 months

● Representative APR = 0%

● Interest charged = £0

● 12 monthly payments of = £150

● Total amount payable = £2000