Thinking of choosing finance?
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!
Check your eligibility
You will only be considered for finance if you:
- Are at least 18 years old
- Have a regular income of £200 per week
- 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 credit history with no recent defaults or late payments
- Have no active debt relief orders, County Court Judgments (CCJs), IndividualVoluntary Arrangement (IVAs) or bankruptcies
- Provide an email address so your documentation can be emailed to you
The maximum amount that can be borrowed through Deko is £5000.
If you are not eligible, it is acceptable for a friend or family member to apply instead. They must be aware that, if the loan is granted, they will be purchasing the treatment, the loan will be in their name only and they will be solely responsible for the repayments.
Our payment plan options
| Term | £ Min Loan Amount | £ Max Loan Amount | Min Deposit | Max Deposit | Interest Free Period |
|---|---|---|---|---|---|
| 12 Months | £250 | £1,000 | 10% | 50% | 12 weeks |
| 18 Months | £250 | £2,000 | 10% | 50% | 18 weeks |
| 24 Months | £250 | £3,500 | 10% | 50% | 24 weeks |
| 36 Months | £250 | £5,000 | 10% | 50% | 26 weeks |
Pay off your loan within a pre-agreed period and pay interest. Spread the cost of your purchase over 12 to 36 months. The value of the loan can vary per the length of term as below:
Representative example could be based on the below:
Finance decision
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 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 are 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 your lender. You have the right to repay all or part of the loan early at any time.
Cancellation
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 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.
Please find our full cancellation policy here.
Other
Please note that The London Transgender Clinic requires a 25% deposit to secure your procedure/treatment date. If you want to finance your entire procedure, this 25% will be refunded following your procedure or treatment.
Cancellations less than 2 weeks before your surgery date may result in the loss of your deposit paid to The London Transgender Clinic. Full terms and conditions will be provided to you before you make any payment.
This will be clearly explained in your terms and conditions, which you receive prior to treatment.
The legal bit
The London Transgender Clinic is a trading name of C&M Health Ltd. who is authorised and regulated by the Financial Conduct Authority, register number 731851 and act as a credit broker and not a lender. Finance is provided through the Deko platform by Snap Finance Ltd. Snap Finance Ltd is authorised and regulated by the Financial Conduct Authority (register number 741813).
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.
