Bundle together your complete kit into affordable monthly payments.
THINGS YOU NEED TO KNOW
SHOP NOW, PAY UP TO OVER 4 YEARS
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.
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 email@example.com or by phone on 0800 294 5891.
Why Choose Finance?
Choose higher-specification kit for a few pounds more per month.
Include any equipment from Kiteshop including accessories such as leashes, wetsuits and travel bags.
Spread the cost of your whole purchase to minimise your monthly payments.
One-stop shopping: no need to go to a bank to secure funding.
Fixed repayments — your payments are fixed for the duration of the personal loan allowing you to budget more effectively.
WHO CAN APPLY FOR FINANCE?
To apply for finance you must meet the following criteria:
You must be over 18 years of age.
You must be a UK resident with at least 3 years continual address history.
You must be in full time employment, unless retired or a house person with a spouse in full time employment.
You must have a UK bank account capable of accepting Direct Debits.
The goods must be delivered to your home address.
How much can I Borrow?
We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 to 48 months.
The value of the loan needs to be over £300 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods.
Yes. A 10% deposit is payable by credit or debit card upon acceptance but you can pay up to 50% if you wish as one initial payment.
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. You can even pay your loan earlier at any time without any penalty.
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 firstname.lastname@example.org 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.
You can include any equipment from Kiteshop including accessories such as harnesses, wetsuits and travel bags. However, please remember that the minimum order is £300.
If you have any queries please contact us on 0121 544 9161.
Please note, it can take around 5 working days from receiving your order, for Kiteshop to ship out your goods.
This option cannot be used in conjunction with any other offer. UK and Northern Ireland Customers only.
Finance options are valid for internet orders only however shop callers are welcome to carry out this process at Kiteshop.
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.
You can even pay your order earlier at any time.
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.
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 email@example.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 firstname.lastname@example.org 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.
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.
0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.
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 email@example.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.
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.
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 5-7 after we received your return in cases where a full refund is processed.
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 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.
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.
Kiteshop.com is authorised and regulated by the Financial Conduct Authority, register number 979561 and act as a credit intermediary. We will introduce you exclusively to Omni Capital finance products provided by Kiteshop through the Deko platform.
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 www.dekopay.com/faq or visit www.dekopay.com.
We do not charge you for credit broking services. We will introduce you exclusively to Deko finance products provided by Kiteshop.com through the Deko platform.