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Create lasting demand with buy now, pay later

Give your customers the opportunity to transform their house into a home with Deko’s finance products.


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 home store.


Available online and in-store

Innovative retail finance products

Our Pay Monthly and Digital Credit products 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.

Go live quicker

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 will make the set-up and post-launch experience as comfortable as that new rattan garden furniture set.


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


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.

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Benefits to your business

Flexible options (circle) (1)

Flexible options

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

0% APR (circle)

0% APR

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

Paid upfront (circle)

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)

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.


Credit applications processed


Uplift in acceptance rate


Integration time

Over 20 eCommerce platforms supported