Simply make your calculations by following the link below, check your eligibility, read through our FAQs to make sure you understand the offering then you will be fully prepared when you come to make your decision following your consultation regarding your desired procedure with Mr Alex Karidis. Our patient coordinators are here to guide you through the application and should you have any questions in advance please do not hesitate to call today on 0207 432 8727.
So, to help you understand and simplify what is affordable for you in an instant we have installed a FINANCE CALCULATOR so you can easily check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments. Click the Calculate Finance button to use our finance calculator.
Once you are happy with the outcome of your calculations and you feel you are fully eligible then fill out the form at the foot of this page to make your consultation appointment today.
The Deko finance quick application form made in clinic (or over the phone following your appointment) should take no more than a couple of minutes to complete and you’ll receive an instant decision within the hour (if not immediately).
Check your eligibility
You will only be considered for finance if you:
- Are at least 18 years old
- Are in paid employment or have a regular income (minimum 16 hours per week or £6,000 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, CCJs, 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 12, 24 or 36 months. The value of the loan needs to be over £1,500 and you can choose to pay a deposit from 10% or up to 50% of the value of the goods.
An example of Karidis Clinic finance options.
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.
The retailer can cancel applications up to Fulfilled status, once in fulfilled or completed status you will then need to send authorisation to the Client Services team requesting the application to be cancelled, the lender cannot cancel the application on your behalf.
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.
The legal bit
Karidis is a trading name of Loretto Clinic LLP is authorised and regulated by the Financial Conduct Authority, register number OC315820 and act as a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).
Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.