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We offer a range of finance options on selected products so you can spread the cost over 6 to 36 months. The minimum deposit is 10%, but you can choose the pay a deposit up to 50% of the value of the goods. 

How long is the repayment period?





6, 9, 12, 24 months

£250 to £25,000 on selected products


12, 24, 36 months


12, 24, 36 months



You can arrange a payment plan and order qualifying products by calling us on 01604 790982* or by contacting us via your local distributor. To find out more, or to apply please call us or email on sales@serenco.co.uk 

*Please note our offices are open Monday to Friday 8.30am until 5.00pm. We are closed on all public holidays and between Christmas and New Year. 


You will only be considered for finance if you:

  • Are at least 18 years old.

  • 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 receive a private/company pension or you’re in receipt of disability 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 Judgements (CCJs), Individual Voluntary Arrangements (IVAs) or bankruptcies.

  • Provide an email address so your documentation can be emailed to you.


Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file. 

Once approved, Deko will let you know who the lender is and provide you with their full contact details. 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.

Repaying the loan

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 the 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 (Serenco (UK) Ltd) 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. For any other questions please contact us by telephone or email.

Legal Information

Serenco (UK) Limited is authorised and regulated by the Financial Conduct Authority, register number 844736 and act as a credit broker and not a lender. 

Serenco (UK) Limited is a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

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

Serenco (UK) Limited is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited. Credit is subject to status. 

Company number: 3897128