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 the loan application quickly and entirely online.
Simply add your chosen course to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!
To be considered for finance, you will need to meet all of the following criteria:
· 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”)
Available Finance options
We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 12 to 48 months. The value of the loan needs to be over £699 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods
Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments. This can be found when choosing our finance option on any courses that offer finance.
Representative APR Example
Cost of Course: £2593.00
Deposit: You can determine the amount of deposit between 10% and 50% of the course fees
Deposit @ 10% = £259.30
Total Amount of Credit: £2333.70
36 Monthly Payments of: £111.93
Total Repayable: £2946.22
Duration of Agreement: 25 Months
Rate of Interest (Fixed): 14.9%
14.9% APR Representative
Understanding the numbers
Deko wants to make sure that you understand the costs, terms and key features of the finance options available to you. You will see this information as you shop and at checkout.
Use our finance calculator at checkout to see how different loan values, terms and interest rates affect the total amount you need to pay and the monthly repayments. The finance calculator is for illustrative purposes only and is not a quote, or formal offer of finance. The offer you receive if you apply will be dependent on your personal circumstances and the lender’s policies.
It’s important that you understand what this information means for you before you decide to apply for finance. The numbers and information you see when taking out finance can be overwhelming and so Deko has provided a simple guide below to help you.
Here is an example of what you might see at checkout, with some handy explanations to help you understand what it all means. Please note that this is just an example, the format, layout and content of checkout finance calculators may vary.
Simply add the course 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.
Take a look at our courses available.
Harriet Ellis Training Solutions Ltd is authorised and regulated by the Financial Conduct Authority, register number 789015 and act as a credit broker and not a lender.
Harriet Ellis Training Solutions Ltd 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.
Terms & conditions
Further Terms & conditions (including Cancellations and Refunds) can be found here