What you need to know
Used responsibly, finance is a great way to spread the cost of your purchase. We’ve teamed up with
Deko, whose secure technology lets you complete a loan application with one or more carefully
selected lenders quickly and easily. Deko is a credit broker, not a lender and is authorised and
regulated by the Financial Conduct Authority. Find out more about how Robust IT and Deko are
regulated. under the “Legal Information” section of this page. You can find out more about Deko
below.
https://www.dekopay.com/for-customers
Deko connects you with lenders whose finance options are best suited for you and your purchase. As a
customer of Robust IT your finance application will be considered by Snap Finance Ltd.
To spread the cost of your purchase, simply let us know when you make your purchase and we will send
you a secure link to a simple electronic application form. The application form is quick and simple
and includes help text throughout to assist you. You will receive a decision from your lender in
just a few seconds.
Please be aware that finance options are a form of credit. If you fail to maintain your payments,
your lender could ask a debt collector to contact you or commence legal action to recover the money
you owe. A poor repayment record will affect your credit file.
Lender Arrangements
All of Deko’s lenders hold the required authorisation and permissions to provide you with credit.
They need to meet high responsible lending standards, so you can rest assured that your application
will be considered fairly and responsibly.
Whichever lender Deko introduces you to, Deko may receive a commission from them (either a fixed fee
or a fixed percentage of the amount you borrow). The lenders Deko works with pay commission at
different rates, but the commission received does not influence the interest rate you pay. You will
be offered the best rate available from Deko’s partner lenders, based on the lenders’ decision
policies. You have the right to know the amount of commission paid in relation to your application -
if you’d like this, you can ask Deko’s customer support team on support@dekopay.com or by phone on
0800 294 5891.
Check your eligibility
To be considered for finance, you will need to meet all of the following criteria:
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Are at least 18 years old
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Have a regular income of £200 per week
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Are a permanent UK resident and have lived in the UK for at least 3 years
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Have a UK bank account capable of accepting Direct Debits
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A valid debit or credit card in order to pay the deposit amount
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Have a credit history with no recent defaults or late payments
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Have no active debt relief orders, County Court Judgments(CCJs), Individual Voluntary
Arrangement(IVAs) or bankruptcies
Available Finance options
We offer a range of interest-bearing finance options to help you spread the cost
of your purchase over 12 to 36 months . The value of the loan needs to be over £250 and no more than
£12,000 and you can choose a deposit of up to 50% of the value of the goods.
Understanding the numbers
Deko wants to make sure that you understand the costs, terms and key features of the finance options
available to you. You may see this information as you shop and we may inform you about the finance
options available to you on the phone.
The available finance offers are not a quote, or formal offer of finance. The offer you receive if
you apply will be dependent on your personal circumstances and the lender’s policies.
It’s important that you understand what this information means for you before you decide to apply
for finance. The numbers and information you see when taking out finance can be overwhelming and so
Deko has provided a simple guide below to help you.
Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the
deposit, and keep up with your monthly repayments. You should think about any changes to your
situation that might occur during the term of the loan, which could impact on your finances - e.g.
retirement, moving home, changing jobs, or any health issues which could affect your income or
expenditure.
Whilst these numbers are there to help you understand what a loan will cost you, it’s important that
you understand any other potential costs in the terms and conditions of the finance option you
select. For instance, you may be charged missed or late payment fees if you don’t keep up with your
payments.
FAQ's
Finance Decision
Will I be accepted for finance?
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. Your lender will perform a ‘soft’ credit search
on your credit file as part of their assessment, to determine whether the loan is affordable for you
and if you are likely to make your repayments on time.
It’s important to know that if your application is accepted, a ‘hard’ credit check may be made on
your credit file. Only you can see that a ‘soft’ search has been made on your credit file, but a
‘hard’ credit check will be visible to others viewing your credit file, for example, if you apply
for credit in the future, the lender will see that an application credit search was made on your
credit file.
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.
What do I do if I have been declined?
If your application was declined, your lender may be unable to give you specific reasons why.
Lenders use information from your credit report, alongside your income and expenditure data to make
a lending decision. If you feel that there has been a mistake, please contact your lender - their
contact details will appear on the email informing you that your application was declined.
You can also contact the Credit Reference Agencies if you think there is a mistake on your credit
report:
Your Loan Agreement
Before signing your credit agreement, you will be given some important documents that include key
information about your loan. It is important that you read these documents and understand the
information and key terms. If you have any questions about the information in your credit agreement
before you sign it, Deko’s customer support team can help - you can contact them on
support@dekopay.com or by phone on
0800 294 5891.
Who should I contact if I have a question about my loan?
For any questions about your loan, such as your Direct Debit or updating your personal details,
please contact your lender. Their contact details will be provided throughout your application and
on any communications you receive about your finance application.
I'm having problems paying my deposit online
Please contact Deko customer support at support@dekopay.com or 0800 294 5891.
When will I receive a copy of my loan agreement?
You will be presented with an unsigned copy of your credit agreement for you to sign once your
lender has made their decision. Once you have signed your credit agreement, your lender will also
sign it and a copy will be available for you to download. These will also be emailed securely to
your given email address.
If you need a copy of your agreement at any point after this, you can request this from your lender.
The terms of your loan agreement will set out your right to withdraw. You may be able to withdraw
from your loan agreement within 14 days. However, if you do so, you will still be responsible to pay
for your goods by another payment method.
Payments and Order
How do I make my monthly payments?
Your lender will help you set up convenient, pre-authorised payments via your bank account or your
credit/debit card.
Can I request delivery to an address other than my home address?
In order to safeguard against fraudulent applications, we are only able to deliver goods to your
home address.
I want to amend my order.
If you have been approved for finance, the amount or term cannot be amended. You will need to
contact us (your retailer) to amend the goods or services you ordered and you may need to complete a
new application for finance. Please note we cannot guarantee a new credit application will be
approved.
I haven't received my goods or service.
Please contact us at support@robustittrainig.com and we will help you.
I want to change my Direct Debit details.
Changing your payment date can only be done once the first payment has been taken. Please contact
your lender to talk to them about updating your Direct Debit details.
Are there any fees or charges to pay?
There is no fee for processing your application, and Deko does not charge you for its credit broking
services.
Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may
include late payment fees and administration/letter fees if you are issued an arrears or default
notice. Full details of all fees and charges will be set out in the terms of your credit agreement.
Cancellations and Returns
I want to return my goods and cancel my finance agreement.
Please see our 1.3 Refunds and Cancellations. Some
products cannot be cancelled, for
example, made-to-order or bespoke goods, so you should check this before you complete your purchase.
Where you do have the right to cancel, you must do this within 14 days of entering into the finance
agreement.
To cancel your finance agreement, please contact us (your retailer) and arrange to return your
purchase or cancel the services. Once we have confirmed cancellation, we will advise your lender to
cancel your finance agreement and refund any payments that have been made. If you made your purchase
in-store, we will refund any deposit payment that you made. Your finance agreement can only be
cancelled by your lender if your purchase is cancelled with us.
What happens to my loan if I want to return my order?
If you are not satisfied with your purchase you can return it up to 14 days after delivery. In this
case, we will notify your lender to reduce your loan amount accordingly. You will receive
confirmation from your lender within 7-10 business days after we received your return in cases where
a full refund is processed.
Your Personal or Financial Circumstances
It’s a fact of life that things can change for any of us. If something changes in your personal, or
financial circumstances, Deko and your lender will do all they can to help make it as easy as
possible to submit your application and manage your loan repayments.
If you’re struggling at any point with your application online, or you don’t understand anything,
please contact Deko’s customer support team at support@dekopay.com or 0800 294 5891.
If you find yourself struggling due to a change in your circumstances, please contact your lender
and ask for their help.
Use of Your Personal Data
In order to process your application, you will be asked to provide information about your personal,
employment and financial situation. Deko share your personal data with their partner lenders so that
they can make a decision about whether to offer you finance. Lenders perform a search with one or
more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to
enable them to make their decision.
You can find out more about how Deko uses and protects your personal data in their Privacy
Policy.
Your lender will let you know where you can find more information about their Privacy
Policy.
Still have questions?
If you still have questions about your finance application or need some help completing it, check
out Deko’s FAQs here.
For any questions related to finance, please contact your lender. Their contact details will be
provided throughout your application and on any communications, you receive about your finance
application.
FCA Authorised
Robust IT Limited is a credit broker, not a lender and is authorised and regulated by the Financial
Conduct Authority (FRN 793439). We do not charge you for credit broking services. We will introduce
you to Finance available from a number of our partner lenders.
Deko’s registered office address is: Pay4Later Ltd (t/a Deko), 100 Liverpool Street, London, EC2M
2AT