How To Apply
Applying for finance is as easy as making a normal purchase.
Fill your basket with everything you want from our site and go to the checkout.
During checkout, select the finance option you want as your method of payment.
You will be directed to our credit intermediary’s secure server to complete your application.
Credit intermediary Deko will send the information provided to its panel of lenders, who will use this information to make a decision and complete checkout if you are approved.
Finance is only available for orders with a total loan value of over £250.
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.
Can My Order Be Sent To A Different Address?
Finance orders can only be shipped to the address given in your finance application.
Our Payment Plan Options:
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6, 12, 24 or 36 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.
0% finance over 12 months
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 full credit check is made which is recorded on your credit file.
Once approved, Deko will let you know who the lender is and provide you with 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.
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 (Westbrook Cycles) 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 any other questions contact us on 01642 712352 or through our contact page.