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Payment Terms & Interest Free Credit

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko and you can apply and complete the application quickly and entirely online.

Simply add your chosen product to your basket. Once you are at the checkout select the payment option of Deko.

The quick application should take no more than a couple of minutes to complete and you’ll receive an instant decision

If you have any further questions about our 60 Day Money Back Guarantee – please contact Ebac Customer Services. You can contact them by telephone on 01388 605 061 or by email at customer.services@ebac.com

We offer the following finance options:
12 months interest free finance

12 months interest free finance
You will pay a deposit of 10% of the value of the goods and the balance equally over 12 months. An example of this is as follows:

0 % Finance Over 12 months
Total order value = £499.99
10% deposit = £50.00
Total amount of credit: £449.99
Duration: 12 months
Representative APR = 0%
Interest charged = £0
12 monthly payments of = £37.49
Total amount payable = £499.99

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.

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. Yo u 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 01388605061 or customer.services@ebac.com.

Legal Information
Ebac Limited is 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.

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