---
title: Automotive | Consumer Finance Plans | Deko
description: Give your car-loving customers the opportunity to use flexible payments with Deko's retail finance platform.
---

[![deko-logo-v2](https://www.dekopay.com/hubfs/_Deko_V2/deko-logo-v2.svg)](https://www.dekopay.com)

- Products 
    - [At a glance](https://www.dekopay.com/at-a-glance)
    - [Pay Monthly](https://www.dekopay.com/pay-monthly)
    - [Digital Credit](https://www.dekopay.com/newpay)
    - [Will I Qualify](https://www.dekopay.com/will-i-qualify)
    - [Deko Uplift](https://www.dekopay.com/uplift)
    - [Multi-lender](https://www.dekopay.com/multi-lender)
- For merchants 
    - Resources 
          - [Integration](https://www.dekopay.com/integration)
          - [Merchant support](https://www.dekopay.com/partner-support)
          - [Log in to Backoffice](https://secure.dekopay.com/backoffice/v2/#/)
          - [Developer portal](https://docs.dekopay.com/)
    - Industries 
          - [Home](https://www.dekopay.com/industries/home)
          - [Electronics](https://www.dekopay.com/industries/electrical)
          - [Jewellery](https://www.dekopay.com/industries/jewellery)
          - [Auto](https://www.dekopay.com/industries/automotive)
          - [Vets](https://www.dekopay.com/industries/vets)
          - [Leisure](https://www.dekopay.com/industries/sports-leisure)
          - [Wellbeing](https://www.dekopay.com/industries/wellbeing)
          - [Education](https://www.dekopay.com/industries/education-training)
- For customers 
    - [For customers](https://www.dekopay.com/for-customers)
    - [Merchant directory](https://www.dekopay.com/partner-directory)
    - [Customer support](https://www.dekopay.com/customer-support)
    - [Jargon buster](https://www.dekopay.com/jargon-buster)
- Company 
    - [About us](https://www.dekopay.com/about-us)
    - [Become a lender](https://www.dekopay.com/become-a-lender)
    - [Become a partner](https://www.dekopay.com/become-a-partner)
    - [Careers](https://apply.workable.com/deko/)
    - [Contact us](https://www.dekopay.com/contact-us)
- [Resources](https://www.dekopay.com/resources) 
    - [Industry insights](https://www.dekopay.com/industry-insights)
    - [Case studies](https://www.dekopay.com/case-studies)
    - [Company news](https://www.dekopay.com/company-news)
    - [Guides](https://www.dekopay.com/guides)

[Get in touch](https://www.dekopay.com/contact-us)

# Overtake the competition with flexible payments

Move your automotive business into fifth gear with Deko’s multi-lender finance platform.

[Get started](https://www.dekopay.com/contact-us)

![automotive-bg](https://www.dekopay.com/hs-fs/hubfs/automotive-bg.png?width=640&height=435&name=automotive-bg.png)

- [Home](https://www.dekopay.com/)
- For merchants
- Industries
- [Auto](https://www.dekopay.com/industries/automotive)

![Wheelbase logo 1 (1)](https://www.dekopay.com/hubfs/Wheelbase%20logo%201%20(1).png)

![awesome 1 (1)](https://www.dekopay.com/hubfs/awesome%201%20(1).png)

![rimstyle_logo 1 (1)](https://www.dekopay.com/hubfs/rimstyle_logo%201%20(1).png)

![J&s 1 (1)](https://www.dekopay.com/hubfs/J%26s%201%20(1).png)

Any basket, anytime, anywhere

## The multi-lender way

Unlike traditional pay later providers, our solutions are connected to a panel of lenders. This means we can decrease basket abandonment, increase acceptance rates, and boost sales for your automotive business.

![Group 754 (2)-1](https://www.dekopay.com/hs-fs/hubfs/Group%20754%20(2)-1.png?width=624&height=385&name=Group%20754%20(2)-1.png)

![Group 845 (3)](https://www.dekopay.com/hs-fs/hubfs/Group%20845%20(3).png?width=1081&height=1027&name=Group%20845%20(3).png)

Available online and in-store

## Innovative retail finance products

[Our Pay Monthly](https://www.dekopay.com/pay-monthly) and [Digital Credit products](https://www.dekopay.com/newpay) come with a wide range of instalment periods and interest rates (including 0%). Both products are designed to slot seamlessly into your existing customer journey, providing effortless access to buy now pay later options and helping you convert more browsers into buyers.

One smooth ride

## Seamless Integration

With over twenty years of experience, our industry-leading integration service can push your store live with Deko in 24 hours, with zero disruption to your business. Our experts ensure a pain-free set-up and post-launch experience.

![Group 756 (7)](https://www.dekopay.com/hs-fs/hubfs/Group%20756%20(7)-1.png?width=1248&height=790&name=Group%20756%20(7)-1.png)

![Auto WIQ](https://www.dekopay.com/hs-fs/hubfs/Auto%20WIQ.png?width=1128&height=1354&name=Auto%20WIQ.png)

Our eligibility check tool

## Will I Qualify

This innovative tool can be woven into your website and offers your customers the opportunity to complete a quick form to find out if they qualify for finance. The widget can be added to your homepage so your customers can be confident in their ability to pay with Deko early on in the purchase journey.

## How multi-lender works

1

Your customer will choose Deko at checkout, where they'll choose from a choice of deposit amounts, instalments periods and interest rates before submitting their application.

2

Their application will be processed and assessed based on eligibility, credit history and affordability. If our primary lender rejects their application, they’ll be automatically connected to a secondary lender who is better suited to their credit profile.

3

The customer will then confirm the purchase and digitally sign the credit agreement. Deko and the connected lender will handle the rest of the finance process from here, and you’ll receive payment upfront.

![Sergiu diagram](https://www.dekopay.com/hubfs/Sergiu%20diagram.svg)

![mobile1](https://www.dekopay.com/hs-fs/hubfs/mobile1.png?width=761&height=491&name=mobile1.png)

### Step 1

Your customer will choose Deko at checkout, where they'll choose from a choice of deposit amounts, instalments periods and interest rates before submitting their application.

![mobile2](https://www.dekopay.com/hs-fs/hubfs/mobile2.png?width=761&height=491&name=mobile2.png)

### Step 2

Their application will be processed and assessed based on eligibility, credit history and affordability. If our primary lender rejects their application, they’ll be automatically connected to a secondary lender who is better suited to their credit profile.

![mobile3](https://www.dekopay.com/hs-fs/hubfs/mobile3.png?width=761&height=491&name=mobile3.png)

### Step 3

The customer will then confirm the purchase and digitally sign the credit agreement. Deko and the connected lender will handle the rest of the finance process from here, and you’ll receive payment upfront.

## Benefits to your business

![Flexible options (circle) (1)](https://www.dekopay.com/hubfs/Flexible%20options%20(circle)%20(1).svg)

### Flexible options

We can cover baskets up to £25,000, with repayment periods ranging from 3-60 months.

![0% APR (circle)](https://www.dekopay.com/hubfs/0%25%20APR%20(circle).svg)

### 0% APR

Encourage repeat business with interest-free options that your customers will love.

![Paid upfront (circle)](https://www.dekopay.com/hubfs/Paid%20upfront%20(circle).svg)

### Get paid upfront

Our lenders cover fraud and credit risk, so you’ll get paid upfront and in full no matter what.

![No hidden fees (circle)](https://www.dekopay.com/hubfs/No%20hidden%20fees%20(circle).svg)

### No hidden fees

Our fee breakdowns are clear and transparent for both merchants and customers.

## The Deko difference

Increased sales, improved conversion rates and industry leading integration.

+£3bn

Credit applications processed

+40%

Uplift in acceptance rate

24hrs

Integration time

## Over 20 eCommerce platforms supported

[![magento](https://www.dekopay.com/hubfs/_Deko_V2/integration-page/magento.png)](https://www.imegamedia.co.uk/retail-finance-module/magento/) [![shopify](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/shopify.png)](https://www.imegamedia.co.uk/retail-finance-module/shopify/) [![woocommerce_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/woocommerce_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/woocommerce/) [![wordpress 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/wordpress%202.png)](https://www.imegamedia.co.uk/retail-finance-module/word-press/) [![opencart 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/opencart%202.png)](https://www.imegamedia.co.uk/retail-finance-module/opencart/) [![BigCommerce-logo-dark 3](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/BigCommerce-logo-dark%203.png)](https://www.imegamedia.co.uk/retail-finance-module/big-commerce/) [![cs-cart_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/cs-cart_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/cs-cart/) [![presta](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/presta.png)](https://www.imegamedia.co.uk/retail-finance-module/prestashop/)

[![magento](https://www.dekopay.com/hubfs/_Deko_V2/integration-page/magento.png)](https://www.imegamedia.co.uk/retail-finance-module/magento/) [![shopify](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/shopify.png)](https://www.imegamedia.co.uk/retail-finance-module/shopify/) [![woocommerce_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/woocommerce_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/woocommerce/) [![wordpress 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/wordpress%202.png)](https://www.imegamedia.co.uk/retail-finance-module/word-press/) [![opencart 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/opencart%202.png)](https://www.imegamedia.co.uk/retail-finance-module/opencart/) [![BigCommerce-logo-dark 3](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/BigCommerce-logo-dark%203.png)](https://www.imegamedia.co.uk/retail-finance-module/big-commerce/) [![cs-cart_logo 2](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/cs-cart_logo%202.png)](https://www.imegamedia.co.uk/retail-finance-module/cs-cart/) [![presta](https://www.dekopay.com/hubfs/_Deko_V2/homepage/integration-logo/presta.png)](https://www.imegamedia.co.uk/retail-finance-module/prestashop/)

## Our resource toolbox

<https://www.dekopay.com/case-studies/camera-centre-uk>

[Case study](https://www.dekopay.com/case-studies/camera-centre-uk)

## [Camera Centre UK, closing the gap with their competitors with Pay Monthly](https://www.dekopay.com/case-studies/camera-centre-uk)

[Read more](https://www.dekopay.com/case-studies/camera-centre-uk)

<https://www.dekopay.com/case-studies/camera-centre-uk>

[Case study](https://www.dekopay.com/case-studies/camera-centre-uk)

## [Camera Centre UK, closing the gap with their competitors with Pay Monthly](https://www.dekopay.com/case-studies/camera-centre-uk)

[Read more](https://www.dekopay.com/case-studies/camera-centre-uk)

[Resources](https://www.dekopay.com/resources)

## [Why Deko Finance is the right choice for your ecommerce business](https://www.dekopay.com/guides/why-deko-finance-is-the-right-choice-for-your-ecommerce-business)

[Read more](https://www.dekopay.com/guides/why-deko-finance-is-the-right-choice-for-your-ecommerce-business)

[Resources](https://www.dekopay.com/resources)

## [The complete guide to Buy Now Pay Later for your retail business](https://www.dekopay.com/guides/an-introduction-to-buy-now-pay-later)

[Read more](https://www.dekopay.com/guides/an-introduction-to-buy-now-pay-later)

[Industry insights](https://www.dekopay.com/resources)

## [6 benefits of introducing POS consumer financing to your online store](https://www.dekopay.com/industry-insights/6-benefits-of-introducing-point-of-sale-consumer-financing-to-your-online-store)

[Read more](https://www.dekopay.com/industry-insights/6-benefits-of-introducing-point-of-sale-consumer-financing-to-your-online-store)

[Visit our blog](https://www.dekopay.com/resources)

## Get in touch with us

![Deko](https://www.dekopay.com/hubfs/Deko%20Website%20July%202021/Images/Home/logos-1.svg)

7 Handyside Street,  
London, N1C 4DA [hello@dekopay.com](mailto:hello@dekopay.com)

- [![X-circle](https://www.dekopay.com/hs-fs/hubfs/X-circle.png?width=29&height=29&name=X-circle.png)](https://twitter.com/dekopay)
- [![linkedin](https://www.dekopay.com/hubfs/_Deko_V2/social-media/linkedin.svg)](https://www.linkedin.com/company/dekopay)
- [![facebook](https://www.dekopay.com/hubfs/_Deko_V2/social-media/facebook.png)](https://www.facebook.com/dekopayuk/)
- [![instagram](https://www.dekopay.com/hubfs/_Deko_V2/social-media/instagram.svg)](https://www.instagram.com/dekopay/)

-  
-  
-  

 

- Products 
    - [At a glance](https://www.dekopay.com/at-a-glance)
    - [Pay Monthly](https://www.dekopay.com/pay-monthly)
    - [Digital Credit](https://www.dekopay.com/newpay)
    - [Will I Qualify](https://www.dekopay.com/will-i-qualify)
    - [Deko Uplift](https://www.dekopay.com/uplift)
    - [Multi-lender](https://www.dekopay.com/multi-lender)
- For merchants 
    - [Integration](https://www.dekopay.com/integration)
    - [Merchant support](https://www.dekopay.com/partner-support)
    - [Why Deko](https://www.dekopay.com/guides/why-deko-finance-is-the-right-choice-for-your-ecommerce-business)
    - [Log in to Backoffice](https://secure.dekopay.com/backoffice/v2/#/)
    - [Developer portal](https://docs.dekopay.com/)
- For customers 
    - [For customers](https://www.dekopay.com/for-customers)
    - [Merchant directory](https://www.dekopay.com/partner-directory)
    - [Customer support](https://www.dekopay.com/customer-support)
- Company 
    - [Contact us](https://www.dekopay.com/contact-us)
    - [Become a lender](https://www.dekopay.com/become-a-lender)
    - [Become a partner](https://www.dekopay.com/become-a-partner)
    - [About us](https://www.dekopay.com/about-us)
    - [Careers](https://apply.workable.com/deko/)
    - [Blog](https://www.dekopay.com/resources)
- Legal 
    - [Terms of service](https://www.dekopay.com/terms-of-service)
    - [Security statement](https://www.dekopay.com/security-statement)
    - [Complaints procedure](https://www.dekopay.com/complaints-procedure)
    - [Privacy policy](https://www.dekopay.com/privacy-policy)
    - [Cookies](https://www.dekopay.com/cookies)

Deko is a trading name of NewDay Technology Ltd, registered in England and Wales (company number 08812602). NewDay Technology Ltd is an Appointed Representative of NewDay Cards Ltd for the purposes of providing credit broking services. NewDay Cards Ltd is authorised and regulated by the Financial Conduct Authority (FRN 682417). 

![](https://px.ads.linkedin.com/collect/?pid=3018148&fmt=gif)

```json
{
  "@context": "https://schema.org",
  "@type": "FAQPage",
  "mainEntity": {
    "@type": "Question",
    "name": "How multi-lender works",
    "acceptedAnswer": {
      "@type": "Answer",
      "text": "Your customer will choose Deko at checkout, where they'll choose from a choice of deposit amounts, instalments periods and interest rates before submitting their application.

Their application will be processed and assessed based on eligibility, credit history and affordability. If our primary lender rejects their application, they’ll be automatically connected to a secondary lender who is better suited to their credit profile.

The customer will then confirm the purchase and digitally sign the credit agreement. Deko and the connected lender will handle the rest of the finance process from here, and you’ll receive payment upfront."
    }
  }
}
```

```json
{
  "@context" : "https://schema.org",
  "@type" : "Service",
  "areaServed" : {
    "@type" : "Country",
    "name" : "United Kingdom"
  },
  "description" : "Move your automotive business into fifth gear with Deko’s multi-lender finance platform.",
  "provider" : {
    "@type" : "Organization",
    "name" : "Deko"
  },
  "serviceType" : "Automotive Finance"
}
```