At Wood Floor Warehouse we are delighted to offer low rate 12.9%APR finance on our all our laminate, LVT and real wood flooring. You can buy now pay later with any of our floors, directly via our website. A minimum spend of £250 is required.
We use DEKO finance to handle your application, who offer an easy to use online form with instant decisions, accessible via our checkout page. Just add your order to the basket and checkout, choosing DEKO as your payment option. You can also select payment terms from 12-60 months and our easy finance calculator available on each product will calculate your monthly payments.
Check your eligibility
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 £5,000 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.
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 12, 24 or 36 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.
Representative examples would be:
12.9% finance over 12 months ● Total order value = £600 ● 10% deposit = £60 ● Total amount of credit = £540 ● Duration = 12 months ● Representative APR = 12.9% ● Interest charged = £36.33 ● 12 monthly payments of = £48.03 ● Total amount payable = £636.33
12.9% finance over 60 months ● Total order value = £600 ● 10% deposit = £60 ● Total amount of credit = £540 ● Duration = 60 months ● Representative APR = 12.9% ● Interest charged = £183.91 ● 36 monthly payments of = £12.07 ● Total amount payable = £783.91
Paying with finance
Simply 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.
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 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.
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 by telephone or email.
The legal bit
Woodfloor Warehouse Ltd is authorised and regulated by the Financial Conduct Authority, register number823292 and act as a credit intermediary.
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/support or visit www.dekopay.com.
*Woodfloor Warehouse Limited is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited. Woodfloor Warehouse Limited is authorised and regulated by the Financial Conduct Authority, registration number 823292. Credit is subject to status.