Faster retail finance for your customers

4 minute applications

Our platform is mobile-first, with a fully responsive and easy-to-use application form.

The most amazing and efficient service. First time i’ve used finance and I couldn’t of imagined it to be as easy as Deko makes it.

Selena Sodhi, TrustPilot Review

Instant finance decision

Your customer gets a decision in under 5 seconds – the quickest in the industry.

84% of decisions are provided within 5 seconds or less

Happier customers with AcceptPlus

AcceptPlus checks multiple tiers of APRs and lenders to find the right one for your customer. 88% of applicants offered a different APR take it.

Increase your acceptance rate by 12-25%

Safe and secure

Over 10 years, we’ve built the world-class data security and resilience needed to look after millions of customer transactions.

credit applications processed
of applications processed
merchants use our platform

Eligibility Checks

We offer eligibility checks on some products – which means your customers can see if they’ll be approved before they purchase.

Easy to integrate

We can work with a full range of ecommerce platforms.

Enterprise solutions

We continually find clever solutions to customer pain points for some of the UK’s biggest retailers. For example, we have built multi-product basket functionality for retail and telecoms clients, and we have created digital barcodes to make in-store journeys easier from credit acceptance to checkout.

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The conversion experts

We’ve done this for ten years. That’s why some of the biggest and most ambitious names in retail and lending trust us with their customers.

Retailers and merchants

Offer finance to your customers

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Join our panel or license our platform

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Try us today

Let’s accelerate your retail finance – with a quick and simple demonstration. Email or complete the form below and we'll be in touch.

To offer finance through Deko, you will need:

  • Turnover of over £1m
  • Trading history greater than one year
  • Positive balance sheet

Get in touch using the form below or email us at and we’ll get back to you as soon as we can.