![]() 0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority. You will be offered the best rate available from Deko's partner lenders, based on the lenders' decision policies. For your reassurance, all of the lenders Deko works with could pay commission at different rates, but the commission received does not influence the interest rate you will pay. Whichever lender Deko introduces you to, Deko will typically receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow). Finance is introduced through the Deko platform from a carefully selected panel of lenders. We do not charge you for credit broking services. Wheelbase (G.B.) Limited is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FRN 674089). 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. 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. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive. Once approved, Deko will let you know who the lender is and how to contact them. If you don't meet the first lender's criteria, then Deko will pass your application to another lender from their panel who may be able to lend to you. Only you can see that a ‘soft’ search has been made on your credit file, but a ‘hard’ credit check will be visible to others viewing your credit file, for example if you apply for credit in the future, the lender will see that a credit check was made on your credit file. It’s important to know that when applying for finance a hard credit check is made. ![]() 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.
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