Opening hours: Monday to Saturday 9am-5pm – Sunday 10am-4pm Telephone: 01362 696926 Email: [email protected]

Spread payments to buy goods straight away with easy direct debit instalments - Instant Finance

Check your eligibility
You will only be considered for finance if you:
• Are at least 18 years old
• You’re in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
• 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
• Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
• Provide an email address so your documentation can be emailed to you.

We offer a range of interest bearing finance options to help you spread the cost of your purchase over 12, 24, 36 or 48 months. The value of the loan needs to be over £400 and you can choose a deposit of up to 10% of the value of the goods.

Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

Representative examples would be:

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

Paying with finance

Simply request a finance application form, which takes just a few minutes to complete. We can email or send via SMS text message. We can arrange this for almost any goods that you would like to purchase from Churchills of Dereham.

Take a look at our products available with finance and shop now

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 hard credit check is 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 about a month 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.

For any other questions contact us on +44 (0) 01362 696926 or Email.

The legal bit:

Churchills of Dereham Limited are authorised and regulated by the Financial Conduct Authority, registration number FRN 730447 and act as a credit intermediary.

Insert your own company information and FCA authorisation details in the section above.

Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. 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 http://www.dekopay.com/faq or visit http://www.dekopay.com.