Camera Financing - Finance your purchase in just a few steps
Whether you're buying a camera, scope, 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 a 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:
Cash price £500.00, Deposit £50.00. The total amount of credit is £450.00 over 48 months with an annual interest rate of 4.9% (Fixed). Monthly repayments will be £10.32 with a total repayable of £545.36. 4.9% APR representative.
The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.
As we mentioned earlier, the representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.
Whilst these numbers are there to help you understand what a loan will cost you, it’s important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don’t keep up with your payments.
Frequently Asked Questions
Finance 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!
You will only be considered for finance if you:
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
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6 to 60 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.
Use our finance calculator on every finance-qualifying product page to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.
Simply add the products to your basket and select 'Pay with Finance' at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to your home address.
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 hard credit check is made. 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.
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.
Your first direct debit payment will be taken about a month 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.
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.