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Camera Financing - Finance your purchase in just a few steps
Whether you're buying a camera, scope, a new lens or studio equipment, we know this can be a considerable investment. That's why we offer you the ability to make your purchase on finance and spread the payments.
If you spend £250 or more, you can choose the finance package that's right for your budget, whether it's a personal loan that's Interest-Free, where you pay 0% interest over 6, 12, 24 or 36 months with no hidden costs or surprises, or a personal loan that's interest-bearing, where you can extend the life of your policy up to 48 months. The process only takes a few minutes and decisions are normally made shortly after submitting.
You'll find the below finance calculator on every finance qualifying product page, this will allow you to check what finance products are available and find a package that suits your budget best. Look out for 0% APR Interest-Free Finance across 100's of products.
It's as easy as:
Easily spread the payments with our range of finance solutions.
Choose the finance package that suits you best.
Apply from our checkout
Easy online application
Instant Decision
We process your order
Simply choose your repayment period and choice of initial deposit. Look out for the promotional Interest Free offers.
Summary
Total amount repayable . Fixed APR representative. Annual Rate of Interest Fixed.
The approval of your application depends on your financial circumstances and borrowing history. Terms and conditions apply.
Representative Examples
Our Pay on Finance options are designed to be as straightforward and clear as possible, ensuring that all customers fully understand the services available. Use the calculator above to simulate products that may be available, which will give you an idea of how much you'll have to pay back each month. On selected products and during promotional periods we also offer interest-free options, where advertised you can get all the details you need from the finance calculator on the product pages.
| 0% finance over 12 months | 12.9% finance over 48 months |
| ● Total order value = £600 | ● Total order value = £600 |
| ● 10% deposit = £60 | ● 10% deposit = £60 |
| ● Total amount of credit = £540 | ● Total amount of credit = £540 |
| ● Duration = 12 months | ● Duration = 48 months |
| ● 12 monthly payments of = £45 | ● 48 monthly payments of = £14.27 |
| ● Interest rate(fixed) = 0% | ● Interest rate(fixed) = 12.9% |
| ● Interest charged = £0 | ● Interest charged = £144.96 |
| ● Total amount payable = £600 | ● Total amount payable = £744.96 |
| ● Cost of Credit = £0 | ● Cost of Credit = £144.96 |
| ● 0% APR Representative | ● 12.9% APR Representative |
Frequently Asked Questions
1. Are between the age of 18 and 80 at the time of applying for the loan
2. You're in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
3. Are a permanent UK resident and have lived in the UK for at least 3 years
4. Have a UK bank account capable of accepting Direct Debits
5. Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies
6. Provide an email address so your documentation can be emailed to you
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.
Once approved, Deko will let you know who the lender is and how to contact them. 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.
Legal Information
Clifton Cameras Ltd is Registered in England and Wales. Company No. 5859660
Clifton Cameras is authorised and regulated by the Financial Conduct Authority, register number FRN728300 and act as a credit broker and not a lender. We do not charge you for credit broking services. Finance is introduced through the Deko platform from a carefully selected panel of lenders. 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). 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. You will be offered the best rate available from Deko’s partner lenders, based on the lenders’ decision policies.
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.
