Authorised and regulated by the Financial Conduct Authority
How to Apply:
If you would like to apply for Finance - please add your product to the Shopping basket as normal and then select Apply For Finance button within the shopping basket as your preferred payment method where you will be redirected to the payment provider “Pay4Later” to complete your finance application. You will then required to fill in your details accordingly and they will assess your credit application.
Qualifying For Credit:
Deko will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application. We ask that you have a good credit history with no history of late repayments or payment issues.
How Much Can I Borrow?
The maximum lending amount in additional to the upfront deposit is £25,000 (total purchase price of £50,000 with 50% deposit).
Is a Deposit Required?
A deposit is required on all orders and depending on the product and the finance plan selected ranges from 10%, 20%, 30%, 40% and 50% (Please note: Not all options are available on all products).
How Are My Monthly Payments Made?
Your monthly repayments will be taken via direct debit from your chosen bank account.
What Type Of Products Can I Buy On Finance?
You are able to purchase all products where the finance option is shown on the product page through the finance options available.
What Length Of Repayment Is Available?
You can select 6, 12, 24 or 36 months repayment options depending on the finance plan selected / offered:
1. 6 month Interest free credit 10% deposit – 0% APR
2. 12 month classic credit 10% deposit – 9.9% APR
3. 18 month classic credit 10% deposit – 19.5% APR
3. 24 month classic credit 10% deposit – 19.5% APR
4. 36 month classic credit 10% deposit – 19.5% APR
5. From time to time other offers are made and are always detailed on the product page where the offer applies
(Please note: Not all options are available on all products).
Can I Pay Off My Loan Early?
Yes, please contact Close Brothers Retail Finance directly 0844 880 6541 in order to make additional payments. Please note that interest rates will be adjusted accordingly.
Standard Information and Regulatory Status of P4L and Close:
Consumer Credit Service is provided by Deko in association with Close Brothers Retail Finance. Deko is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit www.pay4later.com.
Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit www.closebrothersretailfinance.co.uk.
Details of our company are as follows:
Standard Information and Regulatory Status of Gudrum Classics Ltd
Gudrum Classics Ltd owns and operates the web sites:
PLEASE NOTE: In the event that a credit application fails we reserve the right to contact you through either the phone number or e-mail address provided. This is a reactive measure simply so that we can check our systems - it is not a Cold Call and is simply a customer support call for information.
Representative example of Interest Free credit:
Total Product Value - £6,500
Less deposit (50%) - £3,250
Amount of credit - £3,250
Payable by 6 monthly installments of - £541.66
Other Charges - £0
Total amount payable APR typical 0% - £6,500
To Apply for Finance:
Please add your chosen product / products to the shopping basket and clikc the Apply for Finance button within the basket as shown below:
Please Note: that for legal reasons when applying for finance the goods have to be delivered to the billing address that is given when applying for finance