Finance

Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Next Steps

Simply contact us via telephone (01782 646346) or email and we’ll arrange for the application links to be sent to you. The quick application process is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!

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 £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 Judgement (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 an interest-free finance option to help you spread the cost of your purchase over 6 to 12 months. The minimum value of the loan needs to be £250 with a minimum deposit of 10%. (£277.78).

You can choose a deposit of up to 50% of the value of the course. The maximum value of the loan we can offer is £4,000 with a £4,000 deposit (£8,000).

Finance Calculator

Monthly payments:
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Cash price:
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Deposit to pay:
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Loan amount:
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Loan repayment:
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Total amount payable:
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Number of payments:
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Finance decision

Your application will be assessed based on eligibility, credit history and affordability with Deko advising you of the outcome in just a few seconds (via email). It’s important to know that when applying for finance a hard credit check is made which will be recorded on your credit file.

If approved for finance, Deko will let you know who your lender is and provide you with their full contact details and information. 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 your 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 more information on our terms and conditions please see our policy

Legal information

Acacia Training Limited is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279). Credit is subject to status.
Company number: 04080815

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.

For more information on our terms and conditions please see our policy