Let your customers buy what they want when they want it. A sofa or a sunny holiday, a new phone or a new career, even the deposit for a new flat - retail finance is the perfect way to spread the cost of one-off purchases. 

With Deko you'll be using the most advanced retail finance technology there is. That means more sales conversions, happier customers, simple integration and real competitive advantage. 

Why Deko

We make it quick and easy for customers to apply for retail finance with our completely digital process and our unique multi-lender platform is conversion optimised to maximise your sales. Easy to integrate across all your sales channels, customers can apply for a loan at checkout in just minutes. We're so confident we're the best we even give you an accept rate guarantee.

Truly omni-channel

It doesn't matter if your customers are buying in-store, online, on their mobile or over the phone. We provide a consistent customer experience that’s optimised for the characteristics of each sales channel - critical considering over 65% of finance applications are on a mobile device.

Accept rate guarantee

Our AcceptPlus feature means we can guarantee the best accept rate. How? Because each finance application is assessed against multiple APR options with multiple lenders. Instead of declining an application outright we can offer them a different credit option or a different lender. Clever, huh? The 88% of customers who take the alternative offer would definitely agree.

Passionate about conversion

Our smart technology is meticulously crafted to minimise drop-out and ensure as many customers as possible complete their purchase. 

We do this through a powerful combination of sophisticated conversion rate optimisation, ongoing multi-variate testing, mobile-first development, intelligent user experience, clever acceptance rate boosting features and a smart decision engine to minimise referred applications.  

And there's more ...

Mobile-first development 

64% of our finance applications are via mobile. It's why we design our application to be 'mobile-first' so it's easy on any device.

Decisive decisioning

We actively work with our lenders minimise application refer rates. This ensures almost all customers get a definite decision within seconds and increases conversion. 

Intelligent application form

Making it easy with the latest in user experience design, fewer fields, intelligent address matching, digital signatures and smooth checkout integration. 

Proven to increase sales

Gain new customers, boost order value and win business from the competition. See measurable revenue increases in no time. 

Smart fraud checks

Powerful risk management to help prevent fraud at the point of sale. Critical to keeping our fraud levels below 0.1%.

Professional services

A range of additional consultancy services to get you up and running fast and maximise sales potential. 

Easy for staff

Simple, intuitive interface for staff to manage in-person and phone applications. Includes compliance training, customer videos and phone agent scripts. 

Complete control

Change your finance offers, manage user groups, see customer application statuses and analyse how staff, teams, stores and channels are performing.

Rich data and smart reporting 

Behind the scenes is BackOffice and a wealth of live data about your customers applications. See applications at each stage, sales channel performance and even training modules and resources.

Flexible loan offers

Anything from £250 to £25,000, interest-free to 49.9% APR, 6-120 months and with a deposit of 0-50%. The choice is yours.

Panel of lenders

Great relationships with a panel of lenders covering a wide credit spectrum. This means we can accept even more of your customers for finance than anyone else. 

Quick and easy for customers 

No complex questions, just fast lending decisions and digital signatures. Just 3 minutes to complete an application and a decision in 4 seconds. 

How it works

1. Offer Finance- You choose the loan offer you want to provide your customers. Everything from interest free to interest bearing, multiple durations (up to 60 months) and various deposit levels are available.

2. Integrate with your sales channels - Offer in-store, online and mobile, or via phone. Unlike other providers we can get you integrated and trading in just a few days.

3. Easy, instant finance - Customers can complete our entirely digital application in 4 minutes and receive a decision in 4 seconds. All the necessary documents can be reviewed and confirmed by the customer with an electronic signature.

4. The sale is made - After your customer is accepted and you fulfil the purchase you're paid by the lender within 24 hours. The lender then deals with the customer repayments thereafter. 

Contact us for a demo or to find out more about our accept rate guarantee

Thanks for getting in touch. One of our new business team will be in touch later today (or tomorrow if it's after 6pm) to help you get started.