0% Finance

We understand that taking care of pets when they are injured or ill can be daunting, and sometimes financially challenging. Finance is a great way to spread the cost of your veterinary care. For your peace of mind, we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Our 0% finance can be used to help you manage payment of larger bills such as:

• Dental procedures
• Orthopaedic surgeries
• Laparoscopic surgeries
• Diagnostics – X-rays, heart scanning

How long does it take?

The online application will take around five minutes for the customer care team at your practice to complete, and the decision is instant. Please note this should be done prior to any procedure bookings as the application is subject to a credit check and on occasion, alternative arrangements may need to be made.

Available Finance Options

We offer a range of interest-free and interest bearing finance options to help you spread the cost over 6, 12, 18 and 24 months. The value of the loan needs to be between £250 – £15,000 and you can choose a deposit of up to 50%.

Check your eligibility

To be considered for finance, you will need to meet all of the following criteria:

• At least 18 years old
• Gross annual income of £5,000+
• UK resident (of 3 years or more)
• UK bank account capable of accepting Direct Debits
• You are not currently bankrupt, subject to an Individual Voluntary Arrangement (“IVA”), or have any Country Court Judgments (“CCJs”)

Representative example:

0% finance over 12 months

Total order value = £600
10% deposit = £60
Total amount of credit = £540
Duration = 12 months
Representative APR = 0%
Interest charged = £0
12 monthly payments of = £45
Total amount payable = £600

The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

As we mentioned earlier, the representative example is not a quote or formal offer of finance – we display this to help you understand how much a loan will cost, and so you can compare it with other products.

Whilst these numbers are there to help you understand what a loan will cost you, it’s important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don’t keep up with your payments.

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. Your lender will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time.

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.

What do I do if I have been declined?

If your application was declined, your lender may be unable to give you specific reasons why. Lenders use information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please contact your lender – their contact details will appear on the email informing you that your application was declined.

You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report:

Experian
Equifax
TransUnion

Your Loan Agreement
Before signing your credit agreement, you will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms. If you have any questions about the information in your credit agreement before you sign it, Deko’s customer support team can help – you can contact them on support@dekopay.com or by phone on 0800 294 5891.

Who should I contact if I have a question about my loan?

For any questions about your loan, such as your Direct Debit or updating your personal details, please contact your lender. Their contact details will be provided throughout your application and on any communications you receive about your finance application.

I’m having problems paying my deposit online

Please contact Deko customer support at support@dekopay.com or 0800 294 5891.

When will I receive a copy of my loan agreement?

You will be presented with an unsigned copy of your credit agreement for you to sign once your lender has made their decision. Once you have signed your credit agreement, your lender will also sign it and a copy will be available for you to download. These will also be emailed securely to your given email address.

If you need a copy of your agreement at any point after this, you can request this from your lender.

The terms of your loan agreement will set out your right to withdraw. You may be able to withdraw from your loan agreement within 14 days. However, if you do so, you will still be responsible to pay for your goods by another payment method.

Payments and Order

How do I make my monthly payments?

Your lender will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.

I want to amend my order.

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.

I haven’t received the service.

Please contact us at [insert your own retailer support email address] and we will help you.

I want to change my Direct Debit details.

Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.

Are there any fees or charges to pay?

There is no fee for processing your application, and Deko does not charge you for its credit broking services.

Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.

Cancellation

To cancel your finance agreement, please contact us and arrange to return your cancel the services. Once we have confirmed cancellation, we will advise your lender to cancel your finance agreement and refund any payments that have been made. Your finance agreement can only be cancelled by your lender if your purchase is cancelled with us.

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.

Your Personal or Financial Circumstances

It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, Deko and your lender will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.

If you’re struggling at any point with your application online, or you don’t understand anything, please contact Deko’s customer support team at support@dekopay.com or 0800 294 5891.

If you find yourself struggling due to a change in your circumstances, please contact your lender and ask for their help.

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 share your personal data with their partner lenders so that they can make a decision about whether to offer you finance. Lenders perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to enable them to make their decision.

You can find out more about how Deko uses and protects your personal data in their Privacy Policy.

Your lender will let you know where you can find more information about their privacy policy.

Still have questions?
If you still have questions about your finance application or need some help completing it, check out Deko’s FAQs.

For any questions related to finance, please contact your lender. Their contact details will be provided throughout your application and on any communications you receive about your finance application.

Repaying the loan

Your first direct debit payment will be taken 14 days 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.

Legal Information

DNA Vetcare is authorised and regulated by the Financial Conduct Authority, register number 735700 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.