We make finance accessible for more people. Our aim is to simplify your application process and to create a smooth and seamless checkout experience. Financial flexibility at your fingertips.
Applying for finance through Deko is simple. We share your entire application with our panel of lenders, who will use the information to make a final decision on your finance application.
We are a credit broker, not a lender, meaning your finance will be provided by one of our partner lenders. The commission we earn from our lenders does not influence the interest rates you pay, and you will be offered the best rate available to you from our lenders through our platform.
A step-by-step guide.
Choose Deko or our digital credit account Newpay when you reach checkout.
Enter in the required personal and financial information to submit your application to our lender(s).
Wait whilst the connected lender provides an outcome on your application.
If accepted for finance, choose your repayment plan and then complete your purchase.
Make your repayments on time and in full for the entirety of the loan period.
Deko operates in partnership with a carefully selected panel of lenders to provide you with a range of credit options at checkout. Our panel ensures you are connected to a lender and a repayment plan best suited to your financial needs. The different finance products available to customers through our platform include instalment credit, deferred payments and digital credit (Newpay).
All our lenders have a defined eligibility list, meaning we only connect customers to finance who meet basic lending criteria. Our lenders will only provide finance if they are confident that a customer will be able to maintain the monthly repayments.
We take complaints very seriously. For more information please see our complaints procedure.
Deko© is a trading name of Pay4Later Limited, registered in England & Wales (company number 06447333). Authorised and regulated by the Financial Conduct Authority (number 728646). Deko is a credit broker, not a lender and does not charge you for credit broking services. Deko provides introductions to a carefully selected panel of lenders.
