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THINKING OF CHOOSING FINANCE?

Finance is a great way to spread the cost of your purchase. We have teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.!

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. 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.

Our online video shows how to apply...or if you prefer you can simply call one of our specially trained sales staff on 01556 50 3587 and we will process your application via telephone. 

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 Scott Country International 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 Scott Country International your finance application will be considered by OMNI CAPITAL.

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

You will only be considered for finance if you:

  • Are at least 18 years old.
  • Gross annual income of £5,000+
  • UK resident (of 3 years or more)
  • UK bank account capable of accepting Direct Debits
  • You are not currently bankrupt, subject to an Individual Voluntary Arrangement (“IVA”), or have any Country Court Judgments (“CCJs”)
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FIND OUT HOW TO APPLY BY WATCHING OUR VIDEO BELOW

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 6 to 24 months . The value of the loan needs to be over £250 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods.

FINANCE CALCULATOR

The finance calculator can be found on each product page and allows you to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

The finance calculator below is an illustrative example:

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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

 

PAYING WITH FINANCE

Add the purchases to your basket and select Deko at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.

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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.
Take a look at our products available with finance and shop now

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 will need to share your personal data with Omni Capital Retail Finance Limited - the lender so that they can make a decision about whether to offer you finance. Omni Capital will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision.

You can find out more about how Deko uses and protect your personal data in their Privacy Policy: Deko Privacy Policy

Your lender will provide you with a copy of their Privacy Policy with your loan documents.

Deko’s registered office address is: 100 Liverpool Street, London, EC2M 2AT.

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. 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 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.

Scott Country International Limited SC433828 is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited. Scott Country is authorised and regulated by the Financial Conduct Authority, registration number 721544.

Credit is subject to status.

Please read our Terms and Conditions for more information.

FOR ANY OTHER QUESTIONS CONTACT US ON TELEPHONE OR EMAIL.

Tel 01556 50 3587

Email: info@scottcountry.co.uk

FAQ's

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.

If you don’t meet the first lender’s criteria, then Deko will pass your application to another lender from their panel who may be able to lend to you.

Once approved, Deko will let you know who the lender is and how to contact them. You will then need to e-sign your credit agreement, pay your deposit (if applicable) 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.

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.

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.

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 info@scottcountry.co.uk 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.

I want to return my goods and cancel my finance agreement.

Please see our Returns Policy. 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.

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 3-5 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.

LEGAL INFORMATION

Scott Country International Limited SC433828 is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited. Scott Country is authorised and regulated by the Financial Conduct Authority, registration number 721544.

Scott Country International Limited SC433828 is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FRN 721544).

We do not charge you for credit broking services. We will introduce you exclusively to finance products provided by Omni Capital Retail Finance Limited through the Deko platform

0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.

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.