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Deko Pay

Here at MFactory Europe we understand that sometimes, waiting isn't an option especially when it comes to your pride and joy. Thanks to our financing partner 'Deko Pay' we now offer finance on orders over £280. With multiple repayment options and customer chosen deposit, there is a finance package to suit everyone.

The application process is simple and fast, allowing you to purchase items right away! What's best is theres no boring paperwork, its all completed online therefore a quick decision is made.

3 simple steps to financing your order
1 Choose your item(s) from our vast range. (Basket total must be over £280 to be eligible for finance)
2 Choose your shipping method and proceed to the payment section at checkout. Select 'Finance' and choose the finance option and deposit (from 10% - 50%) to calculate repayments.
3 Continue to place your order, after which you will then be taken to the application process. If approved & the items are in stock, you will receive your items in no time.


Will I qualify for finance?


We can only consider your application if
You are over 18 and employed at least 16 hours per week
You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
You are a permanent UK resident and able to supply a UK address history for the last 3 years.
Applications from students (unless employed at least 16 hours per week), unemployed and single house persons will not be considered.
Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

* Meeting the criteria does not guarantee acceptance.

Goods can only be delivered to your home address. If accepted, the deposit must be paid by credit or debit card.


Finance Examples



How Much Can I Borrow?
When checking out, just fill out our easy online application form and you can be approved for up to £10,000 to use for the item(s) you wish to purchase. The minimum order is £250.

Is A Deposit Required?
A minimum deposit of 10% is required and is payable by credit or debit card upon acceptance. Deposits can be up to a maximum of 50% of the purchase price.

How Are My Monthly Payments Paid?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What Length of Repayment is Available?
You can currently choose from a range of options and 0 or 19.5% APR depending on the products you have chosen.

How Do I Apply?
You can apply via the checkout on our web-site or call our sales team on 01782 33 44 40 should you need any assistance.

0% Finance is currently only available on orders exceeding £2000. Finance options are available to Retail customers only and excludes any other offers.

Finance Cancellations
You can return all the items ordered on finance and the policy can then be cancelled. This will incur a 10% handling fee to cover the cost of the finance agreement.

Early Repayment
You can pay off finance at any point throughout your agreement and simply have to contact the lending bank (all details are in your credit agreement) who will offer you a settlement figure which if you have had 0% interest free finance will be the outstanding balance without any early settlement fees. Obviously the 19.5% agreements will have interest calculated and included in your settlement figure.

Can I have my order shipped to somewhere else?
No, your order MUST be shipped to the same address as your finance application.

Consumer credit service provided by Deko Pay in association with Close Brothers Retail Finance. Deko Pay is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions or visit http://www.Deko Pay.com/

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority – Firm reference number 124750 For more information please visit http://www.closebrothersretailfinance.co.uk/