Finance

Quick & Easy Finance provided By Klarna Bank AB

DEKO Finance Logo

To purchase using Klarna Bank AB, add the qualifying item(s) to your basket and choose Klarna when you are at the payment stage of the checkout. On qualifying product pages you will be shown examples of the finance packages available and the associated payment plan. Provided you are purchasing a product that qualifies for finance you can place other items into your shopping basket and then to select a finance product that fits your budget, this is done during the checkout process.

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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 Klarna Bank AB whose smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and then choose Klarna. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. 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 £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.

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Klarna Bank AB 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, Klarna Bank AB will provide 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.

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 directly. We can cancel the application on your behalf. There is no need to contact Klarna Bank AB.

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.

Finance FAQ's

Matter Retail Ltd act as credit broker and not a lender.

Matter Retail Ltd are authorised and regulated by the Financial Conduct Authority, register number 746855.

Matter Retail Ltd acts as a credit intermediary and offer credit products provided exclusively by Klarna Bank AB (publ).

Klarna Bank AB (publ) is Authorised by the Swedish Financial Services Authority (Finansinspektionen) and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply.

Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431.