THINKING OF CHOOSING FINANCE?
Used responsibly, a loan is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.
Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!
Deko is a credit broker, not a lender. Deko’s secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase. As a customer of Alexnader Francis, your finance application will be with Duologi.
CHECK YOUR ELIGIBILITY
Before you apply, please note that you will only be considered for finance if you:
- Are at least 18 years old
- Are in regular full or part-time employment (minimum 1 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living 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 Judgments or bankruptcies.
OUR PAYMENT PLAN OPTIONS
We offer an interest-free finance option to help you spread the cost of your purchase over 6 to 12 months IFC. The value of the loan needs to be over £1,000 and no more than £15,000. You can choose adeposit of up to 50%of the value of the goods.
REPRESENTATIVE EXAMPLE:
0% Finance over 9 months
- Total order value = £2,00
- 10% deposit = £200
- Total amount of credit = £1,800
- Duration = 9 months
- 9 monthly payments of = £200
- Interest rate(fixed) = 0%
- Interest charged = £
- Total amount payable = £2,000
- Cost of Credit = £0
- 0% APR Representative
PAYING WITH FINANCE
Simply add the purchases to your basket and select Deko at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
FINANCE DECISION
Will I be accepted for finance?
Whether you're accepted for finance or not depends on many different factors. At Duologi they have a dedicated credit team that uses their bespoke credit engine to help them reach decisions. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision. This search will appear on your credit file and will be visible to other lenders if you apply for credit with them in future.
In some cases, your application will be referred for further assessment. You may be asked to provide some more information to help Duologi make their decision. If this does happen, you will be told whether your application has been accepted as soon as the decision is made.
What do I do if I have been declined?
If your application was declined, Duologi may be unable to give you specific reasons why. Duologi uses 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 feel free to contact Duologi via email at support@duologi.com or call them on 0345 5211 881 Option 2.
You can also contact the Credit Reference Agencies if there is a mistake on your credit report:
Experian - https://www.experian.co.uk/
Equifax - https://www.equifax.co.uk/Products/credit/credit-score.html
TransUnion - https://www.transunion.co.uk/
