Finance Deko

Thinking of choosing Interest-Free Finance?

Finance offers a fantastic way to spread the cost of your purchase with Modish Living.  We've teamed up with Deko whose technology makes it easy for you apply for finance by completing a quick and easy loan application. 

By partnering with Deko, Modish Living offers customers the flexibility to spread the payments over 6 or 10 months interest free.

Simply add the items you want to buy to your basket. When you reach the checkout select the 'Pay by Finance' option, which will take you to the Deko application. It's quick and simple, should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!




Decide what furniture you would like to buy from Modish Living. Go through to the final checkout page and select "Deko" as your payment option.  



You’ll then be taken to the application form, which takes just a few minutes to complete. Pay from as little as 20% deposit.



Once complete you will receive an order confirmation from Modish Living and we'll start the process of getting your furniture to you. Now, wait for your delivery.

Check your eligibility

You will only be considered for finance if you:

  • are at least 18 years old
  • have a gross annual income each year of more than £5000
  • 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
  • are not currently bankrupt, subject to an individual Voluntary Arrangement (IVA), or have any County Court Judgements (CCJs)
  • provide an email address so your documentation can be emailed to you. 


  • You will need to spend a minimum of £500 across the store and
  • Delivery must be made to the address you put on your finance application.
Frequently Asked Questions at Modish Living
Finance Calculator
Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments. This can be found on any product page on our site. 
Representative Example
0% finance over 10 months

● Total order value = £600
● 20% deposit = £120
● Total amount of credit = £480
● Duration = 10 months
● Representative APR = 0%
● Interest charged = £0
● 10 monthly payments of = £48
● Total amount payable = £600
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 soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be 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 approximately 15 to 30 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.


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. 

Our full returns policy can be viewed here. For any other questions contact us on 01273 499057 or

What if I don’t have time to complete my application
Let someone from Modish Living know, and we can send you a unique link to your application as a text message or email, so you can complete the application later at your own convenience.
    Can I process my application in person?
    The online application setup by Deko is a simple and quick process. However please feel free to call us on 01273 499057 and we can take you through this process over the phone.
      Will an instant decision always be made?
      In some case, Deko might need to manually review your application. In these rare cases, they aim to complete this process within 15 mins.
        What happens if I’m declined? 
        You will still be able to complete the purchase using the traditional means of payment.
          Legal Information

          Modish Living is acting 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 or visit

          0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority