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Finance Available on any order over £320.

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 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 Deko. 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.

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, 36 or 60 months. The value of the order needs to be over £320 with a minimum deposit of 10%.

We offer instant finance on all products. Whether your after just one item over £320 or a full kit comprising of several cheaper items which total over £320 you can apply for finance.

The finance is available to any customer in the UK and is subject to a credit application.

The application takes about 5 mintues to fill in, after that you will get a instant decision within 10 seconds. If accepted, your goods should leave us the next working day.

We will contact you to confirm everything first.

We offer 4 different types of finance which are all subject to a credit check. Full terms and conditions are available on request and also available when you apply.

  1. 6 Months Interest Free.
  2. Minimum order £320. Requires a 10% deposit.

  3. 12 Months Interest Free.
  4. Minimum order £320. Requires a 10% deposit.

  5. 36 Months 19.9% APR.
  6. Minimum £320. Requires 10% deposit.

  7. 60 Months 19.9 % APR
  8. Minimum £320. Requires 10% deposit.

You can apply in 3 different ways:

  1. Online. Simply add your items to your basket and checkout. You can get a descision online within minutes.
  2. Over the phone. Please give us a call and we can talk you through the exacts. After that we will take some details and email you a link to apply.
  3. In store. Just pop into store and we can sort out a finance package to suit.

Please call us on 01524 422146 for more information and help.

Finance option examples

£400 order on 12 months interest free.

Deposit of 10% £80

12 payments of £30.00.

Full Carp Set Up. £2000

12 Months 0% interest free

10% deposit £200

12 payments of £150.00


60 Months Finance

10% deposit £200

60 Payments of £35.97 (19.9% APR)

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 hard 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 (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 of any outstanding balance if applicable.

Consumer credit service is provided by Deko and authorised and regulated by the Financial Conduct Authority (Interim Permission Number: 0616240). Registered offices are at 33 St Mary Axe, London EC3A 8AG. For more information please refer to

Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders' credit decision policies. You will be informed who the lender is at the point the loan is offered, and provided with their full contact details.

If any issues with your finance application cannot be resolved by Gerry's of Morecambe or Deko you can open a dispute by clicking here. However we advise contact ourselves on 01524 422146 or Deko on 0800 021 7150.


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