Finance

We understand that taking care of pets when they are injured or ill can be daunting, and sometimes financially challenging. Finance is a great way to spread the cost of your veterinary care. For your peace of mind, we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Our 0% finance can be used to help you manage payment of larger bills such as:

• Dental procedures
• Orthopaedic surgeries
• Laparoscopic surgeries
• Diagnostics – X-rays, heart scanning

How long does it take?

The online application will take around five minutes for the customer care team at your practice to complete, and the decision is instant. If you have pet insurance but find that the policy does not cover the full of treatment, you can also apply in this way for credit to pay the balance.

How much can I apply for?

We offer a range of interest-free and interest bearing finance options to help you spread the cost over 6, 12, 18 and 24 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50%.

Check your eligibility

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 receiving a private / company pension or 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 Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies
• Provide an email address so your documentation can be emailed to you

Representative example:

0% finance over 12 months

Total order value = £600
10% deposit = £60
Total amount of credit = £540
Duration = 12 months
Representative APR = 0%
Interest charged = £0
12 monthly payments of = £45
Total amount payable = £600

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 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 e-sign your credit agreement, pay your deposit and wait for confirmation that the procedure can go ahead.

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.

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 (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.

Repaying the loan

Your first direct debit payment will be taken 14 days 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.

Legal Information

DNA Vetcare  is authorised and regulated by the Financial Conduct Authority, register number 735700 and act as 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.