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Improve your offering with pay later options

Offer your patients and customers the opportunity to spread healthcare and wellbeing costs over time through our pay later platform.

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Tailored to your business' needs

The multi-lender way

Unlike traditional pay later providers, our solutions are connected to a panel of lenders with a range of credit appetite. This means we can increase acceptance rates so more of your customers can access the treatment and products they need for a healthier and better life.

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Making important decisions easier

Innovative retail finance products

Our Pay Monthly product is perfect for health based products and services, with coverage up to £25,000 and a wide range of instalment periods and interest rates (including 0%). The product is designed to slot seamlessly into your existing user journey, providing effortless access to pay later options.

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 pain-free so you can focus on the things that really matter.

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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

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Flexible options

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

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0% APR

Improve financial flexibility for patients and customers with interest-free options.

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Get paid upfront

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

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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.


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Uplift in acceptance rate


Integration time

Over 20 eCommerce platforms supported