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Homeowner or Tenant? Click here to spread the cost of your home improvements. Multiple lenders, decision in minutes.

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 informative.

Deko is a credit broker, not a lender. Deko’s secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase.

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. Easy!

Check your eligibility

You will only be considered for finance if you:

  • Are at least 18 years old
  • Have a regular income of £200 per week
  • 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
  • A valid debit or credit card in order to pay the deposit amount
  • Have a credit history with no recent defaults or late payments
  • Have no active debt relief orders, County Court Judgments(CCJs), Individual Voluntary Arrangement(IVAs) or bankruptcies
  • Provide an email address so your documentation can be emailed to you

Our payment plan options

Spread the cost of your purchase over 24 to 36 months. The value of the loan can vary per the length of term as below:

Term £ Min Loan Amount £ Max Loan Amount Deposit (min 1%)
24 and 36 Months £250 £5000 Up to 50%

Interest is charged from the day your loan starts on the principal outstanding at the rate set out in your credit agreement.

Finance calculator

Use our finance calculator within our Hi-Finance Portal to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

Representative example:

  • 19.9% finance over 24 months
  • Total order value = £1,200
  • 10% deposit = £120
  • Total amount of credit = £1,080
  • Duration = 24 months
  • 24 monthly payments of = £53.72
  • Interest rate(fixed) = 19.9%
  • Interest charged = £209.28
  • Total amount payable = £1409.28
  • Cost of Credit = £209.28
  • Representative 19.9% APR

The interest rate, term and amount that the lender offers you will depend on their assessment of your application.

Interest is charged from the day your loan starts.

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 justa few minutes to complete.


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 Snap Finance Ltd – the lender, so that they can make a decision about whether to offer you finance. Snap Finance 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, and Snap Finance Limited use and protect your personal data in their Privacy Policies:

Deko Privacy Policy

Your lender will provide you 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 credit check is made which is recorded on your credit file.

The loan amount, loan term and interest rate the lender is willing to offer you will be decided based on these checks and the lender’s decisioning policies.

Once approved, Deko will provide you with full details about your lender, including how to contact them. 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 your 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 if you have any balance to repay.

For any other questions contact us by 07534 708159 or

Legal Information

Home Improvement Finance Ltd, trading as Hi-Finance is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FRN 942587). We do not charge you for credit broking services. We will introduce you to finance available from a number of our partner lenders.

Finance provided by Snap Finance Ltd is introduced to you by the Deko platform, which is provided by Deko, a trading name of Pay4Later Ltd. Pay4Later Limited is registered in England and Wales (company number 06447333) and is authorised and regulated by the Financial Conduct Authority as a credit broker, not a lender (register number 728646). Deko does not charge you for credit broking services. For more information please go to or visit