Easing the pain

There are clearly benefits to paying for your motorcycle gear in instalments.

Over 12 months, on products costing over £399, you'll pay no interest whatsoever.

We can also provide finance at competitive rates for up to 36 months, provided there are goods to a value of £399 in your basket.

What do I need to do?

It's very simple.

Firstly, you need to make sure you are in the UK mainland, Isle of Wight, or Northern Ireland.

When you reach the 'checkout' page on the website, just click on the 'DEKO' logo.

You will be presented with an application form that should take no more than 10 minutes to complete.

10 seconds later, you will know whether your application has been approved.

Occasionally, the finance company may require further information before progressing.

How do the payments work?

When your application has been approved, you will be asked to make a first payment, equivalent to 10% of the order, on a debit card.

Your first direct debit payment will be taken approximately 15 to 30 days after you receive your purchase.

Is there any small print?

Not a lot.

As we have said above, you need to be in the UK mainland, Isle of Wight, or Northern Ireland to qualify.

One thing you need to know is that you cannot combine finance with our 10% Price Beat or Price Match guarantee. Sorry!

The other important issue is that Omni Capital stipulates that any goods that are financed can only be sent out to a customer's home address and that orders cannot be part shipped.

Here's the legal stuff:

Check your eligibility

You will only be considered for finance if you:

• Are at least 18 years old
• You have a gross annual income each year of more than £5,000
• Are a permanent UK resident and have lived in the UK for at least 3 years
• Have a UK bank account capable of accepting Direct Debits
• You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any country Court Judgements (CCJs)
• Provide an email address so your documentation can be emailed to you.

Our Payment Plan Options

We offfer 12 months interest free payments with a 10% deposit on baskets over £399. We also offer 12 months at 19.9% APR interest on baskets over £250 with a 10% deposit. Finally, we can also offer 24 and 36 months at 19.9% APR on baskets over £399 with a 10% deposit. See below for some examples.

Examples

0% finance over 12 months		19.9% finance over 12 months
Total order value	£600	Total order value	£600
10% deposit	£60	10% deposit	£60
Total amount of credit	£540	Total amount of credit	£540
Duration	12 months	Duration	12 months
Representative APR	0%	Representative APR	19.9%
Interest charged	£0	Interest charged	£54.96
12 monthly payments of	£45	12 monthly payments of	£49.58
Total amount payable	£600	Total amount payable	£654.96

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken approximately 15 to 30 days after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Lylebarn Limited is authorised and regulated by the Financial Conduct Authority, register number 654682 and act as a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.