0% Finance on TorchesWe have partnered with DEKO (previously known as Pay4Later) to offer our customers 6 - 12 Months Interest Free Finance (0% APR) on orders over the value of £275.

DEKO provide a simple application form for you to fill in online, with no paperwork to sign and an instant decision.

How To Apply

To apply, add products to your cart ensuring the total is over £275. Once on the Checkout Page, simply select 'Apply For Finance' as a payment method, then fill in the online DEKO finance application form. The form only takes a few minutes to fill in and DEKO will give an instant decision in the majority of cases. You can sign the form digitally with no need to wait for paperwork through the post. Applications that are approved and have had the deposit paid by 2:00pm on a weekday will usually be despatched the same day.

** Please Note Finance orders must be sent to the home address provided in the application and cannot be sent to an alternative address. **

Example - 12 Months Interest Free Credit (0% APR)

A product costing £499.96 can be purchased using the DEKO finance option with a deposit of £49.99 and 12 monthly payments of just £37.49.

Monthly Payment £37.49
Cash Price £499.96
Deposit to Pay £49.99
Loan Amount £449.97
Loan Repayment £449.97
Cost of Loan £0.00
Total Amount Payable £499.96
Number of Monthly Payments 12

Consumer credit service provided by DEKO in association with Close Brothers Retail Finance. DEKO is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please visit http://www.dekopay.com/.

Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority Firm reference number 124750 For more information please visit http://www.closebrothersretailfinance.co.uk/