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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.
Simply add the items you love to your basket. Once you are at the checkout select DEKO and the finance option that suits you. 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!
You will only be considered for finance if you:
• Are at least 18 years old
• Have a gross annual income each year of more than £5,000
• 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
• Are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any County Court Judgments (CCJs)
• Provide an email address so your documentation can be emailed to you.
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12 and 18 months interest free or 24 and 36 months at 14.9% APR. The value of the loan needs to be over £500 and you will need to place a minimum deposit of 10% of the value of the goods.
On any qualifying item, or qualifying basket you will find the finance options available, and a calculator to compare payments. Representative examples are as shown below:
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.
*Please note that Billing and Delivery address must be the same to use this option.
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 soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be 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.
Your first direct debit payment will be taken approximately 15 to 30 days 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 wish to do this please contact us at Colour Supplies 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.
Colour Supplies is authorised and regulated by the Financial Conduct Authority, register number 682724, and act as 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.
Colour Supplies LIMITED is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited who is authorised and regulated by the Financial Conduct Authority (register number 720279). Credit is subject to status. Company number: 02152345