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0% Finance Available

Finance

Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Simply select 'checkout with finance' on the product page, or add your desired item to the basket and choose the finance option there. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!

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 £6,000 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.

Our payment plan options

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12 to 60 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

Finance Calculator

Use our finance calculator on the product page 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 could be based on the below:

0% finance over 12 months

● Total order value = £600
● 10% deposit = £60
● Total amount of credit = £540
● Duration = 12 months
● Representative APR = 0%
● Interest charged = £0
● 12 monthly payments of = £45
● Total amount payable = £600
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 add the purchases to your basket & select finance or choose 'checkout with finance' on the product page. You’ll then be taken to the application form, which takes just a few minutes to complete.

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 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 14 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.

For any other questions contact us.

Legal Information

Watches of Wales is authorised and regulated by the Financial Conduct Authority, register number 647840 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.

 

Finance FAQs

  • How much can I borrow?
    You may borrow from £450 to £20,000. Use our Calculator on the product page to determine how much you can spend based on your monthly payments. The minimum priced item with credit available is £450.
  • Is a deposit required?
    Yes, a minimum 10% deposit will need to be paid upon acceptance. The maximum deposit one can pay is 50% of the item's value.
  • How are my monthly payments made?
    All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.
  • What can I buy on finance?
    Anything on our website. Please remember that the minimum order value for finance is £450.
  • What length of repayment is available?
    You can choose a 12, 24, 36, 48 or 60 month loan repayment period.
  • How do I apply?
    Add your chosen product to your shopping cart and select 'checkout with finance' at checkout.
  • What is the maximum amount for finance?
    The maximum amount we can offer as a loan is £20,000. This means that with a maximum deposit threshold of 50%, the most expensive item you can buy can be £40,000.