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Tools on Finance

Finance options at Toolstop
Buy now, pay later with Clearpay

Shop Tools on Finance That You Need Today & Split the Cost

We know that getting the tools you need, when you need them, is imperative to the success of any project. And at Toolstop, we want to give you total control over how you pay for your tools. That is why we offer PayPal Credit and PayPal Pay in 3.

Never Miss Out on That New Tool You’ve Had Your Eye on Again 👀

What Is Clearpay?

Clearpay is a safe and secure buy now, pay later platform that allows you to shop now and pay at a later date with interest free payments. There is no minimum purchase amount.

Your purchase will be split into 4 payments, payable every 2 weeks.


Why Use Clearpay?

Clearpay brings you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.

To sign up with Clearpay, you must:

  • Be 18 or older
  • Have a valid / verifiable phone number and email address
  • Be able to provide payment from a UK bank card (Visa or Mastercard Debit or Credit Card)
  • Be able to enter into a legally binding contract
  • Have a valid and verifiable ID
  • Be a resident of the UK (England/Wales/Scotland/Northern Ireland). No UK territories or British Forces Post Offices addresses are allowed. No Isle of Man, Jersey or Guernsey addresses are allowed

How It Works

Step 1 - Add products to your cart and select “Clearpay” at the checkout

First-time customers will need to create a Clearpay account (with instant approval decision) and returning customers will simply log in to make their purchase.

Step 2 - Enter a few personal details and you’ll know instantly if you’re approved

Step 3 - The payment of your new goods will be split into 4 equal amounts. You will pay the first payment immediately at the time of purchase and the other 3 will be automatically taken from your account at 2-week intervals.

Step 4 - You can complete your future Clearpay purchases with just one click

 

Clearpay pays the retailer upfront so that your order is shipped as soon as you pay the first instalment.

At any time, you can log in to your Clearpay account to see your payment schedule and make a payment before the due date. Otherwise, Clearpay will automatically take the money from your debit or credit card on your payment due dates.

Example:

Clearpay logo

Dewalt DCD996P2 18V Brushless Combi Drill (2 x 5.0Ah Batteries)

Price: £229

Pay £57.25 today

Then make another 3 payments of £57.25, payable every 2 weeks.

Clearpay logo

Dewalt DCD996P2 18V Brushless Combi Drill (2 x 5.0Ah Batteries)

Price: £229

Pay £57.25 today

Then make another 3 payments of £57.25, payable every 2 weeks.


Clearpay is free to use as long as you make your payments on time. The only situation in which you’ll pay more is if you don’t have enough money in your account to make the automatic payments. In this case, you’ll be charged a late fee and will need to log in to your Clearpay account to clear the balance.

Clearpay can be contacted via their online Help Centre, or via phone at 0808 164 9707, Monday to Friday, 8am-6pm.


How to Pay

Payments are automatically taken every 2 weeks from the card used at checkout . You can make early re-payments should you wish via the Clearpay app.

Download the Clearpay app

Log in online

Chat with customer services

How Does Clearpay Finance Work?

With Clearpay Finance, you can spread the cost of your tools over 4 equal payments. This gives you the opportunity to get the best of the best now and keep your expenses manageable. Clearpay is available on orders of any amount.

Clearpay lends you a fixed amount of credit to allow you to pay for your purchase over 4 instalments, due every 2 weeks.
To be eligible for credit from Clearpay, you must be over 18 years of age and a permanent UK resident (excluding Channel Islands).

Make sure you can make your repayments on time by each due date to avoid late fees. Additional eligibility criteria apply. The first payment is due at the time of purchase.

For complete terms visit clearpay.co.uk/en-GB/terms-of-service. Clearpay Finance Limited.

We encourage you to use Clearpay responsibly.



Am I Eligible for Clearpay?

Please Note: Clearpay does not approve 100% of orders as they are committed to supporting responsible spending. When determining which orders to approve, a number of different factors are considered.

Clearpay will carry out some checks before approval. Before applying you should make sure you:

  • Are at least 18 years old
  • Have a valid and verifiable email address and phone number
  • Use a UK bank payment card (Visa or Mastercard Debit or Credit Card)
  • Are capable of entering into a legally binding contract
  • Have a verifiable and valid ID
  • Are living in the UK (England/Wales/Scotland/Northern Ireland). No UK territories or British Forces Post Offices addresses are allowed, no Isle of Man, Jersey or Guernsey addresses are allowed

Things to consider:

  • Are there sufficient funds on your card?
  • The length of time you have been using Clearpay
  • The amount you have to repay
  • The value of the order you are trying to place
  • The number of orders you currently have 'open' with Clearpay

Disclosure

Toolstop Ltd. is authorised and regulated by the Financial Conduct Authority (FCA FRN 737231) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB (publ). Please note that the following products are not regulated by the FCA: Pay in 30 days and Pay in 3 instalments. Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.

Klarna Bank AB (publ) is authorised by the Swedish Financial Supervisory Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of this regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Klarna Bank AB (publ) on request.


Why use Klarna?

Option 1: Pay in 3

3 Interest-Free Instalments

Available on orders from £150 - £750

Interest-free instalments give you the freedom to choose how and when to pay. Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later. We offer this on orders from £150 - £750. There is zero interest and never any fees when you pay on time.

Payment Options at Toolstop

Option 2: Finance

9.9% APR Over 12 or 24 Months

Available on orders over £250

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. After you’re approved, manage purchases and set up automatic payments in the Klarna App. We offer this on orders over £250. See example:

Example

Cost of item: £1000 + 9.9% APR

Plan Cost Per Month Total Amount
12 Months £87.67 £1052.08
24 Months £45.90 £1101.70

Klarna Finance is subject to financial circumstances. You must be 18 years or over to apply. Credit is provided by Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden. If you already have a Klarna Credit account, this purchase will be added to your balance.

Representative example: Representative APR (variable) 9.9% APR with an assumed credit limit of £1,200 and a purchase rate of 9.9% p.a.

Klarna Update June 2022

On 1st June 2022, Klarna is introducing a new change that will provide customers with additional control over their financial lives.

This will enable consumers to build up a positive credit profile through responsible use of Klarna’s BNPL (buy now pay later) products and give the financial services industry greater visibility on the use of BNPL products, helping to improve affordability assessments.

Klarna consumers who make payments on time will show lenders they use credit responsibly, and the financial services industry will be better able to ensure consumers are not building up unsustainable debt with multiple providers. Klarna will do this by reporting BNPL purchases made in the UK to credit reference agencies (CRAs). CRAs store details of consumers’ use of credit and can be used by lenders, such as mortgage or credit card companies, and some BNPL providers including Klarna, when making lending decisions. When Klarna begins reporting to CRAs, other lenders will be able to take into account consumers’ use of Klarna Pay in 30 days and Pay in 3 instalments when evaluating whether to lend to someone. Klarna will share data on purchases settled on time, late and unpaid payments for Pay in 30 days and Pay in 3 instalments purchases made on or after 1st June 2022.

Klarna consumers who make payments on time will see long-term benefits, showing lenders that they use credit responsibly.

Who Is Klarna?

Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments.

How Does Klarna Finance Work?

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. We offer this on orders over £250 up to a maximum of £5000. See right for an example.

Visit the Klarna FAQ page to find out more about using Klarna.

How Does Pay in 3 Work?

Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later.

Visit the Klarna FAQ page to find out more about using Klarna.


Am I Eligible for Pay in 3?

If you’re over 18 and pass the soft credit check, you should be eligible to use Pay later in 3, subject to your financial circumstances. Your credit rating will not be affected by using Pay later in 3.

Finance Calculator

Buy now, pay monthly with Deko

We’ve teamed up with Deko to offer you a range of interest-bearing finance options to help you spread the cost of your purchase over 12 to 60 months. Toolstop offers finance through Deko on all orders between £280 and £15,000 and you can choose a deposit of up to 50% of the value of the goods.

A 10% deposit is required for all orders placed with Deko finance, however there is also the option to pay a 20, 30, 40 or 50% deposit. Finance terms are as follows:

  • 12 months (17.9%)
  • 24 months (14.9%)
  • 36 months (14.9%)
  • 48 months (14.9%)
  • 60 months (14.9%)

How it works

To apply for finance through Deko, simply choose the Deko option at checkout and enter your personal and financial information. Deko will then share your application with their panel of lenders, who will make a decision on your application within minutes. If you are approved for finance, you will be able to choose your repayment plan and complete your purchase. You can use the Deko finance calculator to see how different loan values, terms and interest rates affect the total amount you need to pay and the monthly repayments.

Benefits of Deko finance

Flexible repayment plans: Deko offers a variety of repayment plans to suit your individual needs. You can choose to pay off your balance over a period of months or years.

Instant decision: Deko's decisioning process is quick and easy. You will typically receive a decision on your application within minutes, so you can get your purchase today.

No impact on your credit score: Applying for finance through Deko will have no impact on your credit score. Deko only share your application with lenders who are pre-approved to work with them, so you can be confident that your application will be considered fairly.

What you need to know

Deko is a credit broker, not a lender. This means that Deko does not provide the finance itself, but instead connects businesses and customers with lenders who are best suited to their needs. Deko is authorised and regulated by the Financial Conduct Authority (FCA). As a customer of Toolstop, your finance application will be considered by Duologi.

To be considered for Deko finance, you will need to meet all of the following criteria:

• Are at least 18 years old
• Are in regular full or part-time employment (minimum 16 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living 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 Judgments or bankruptcies.

Will I be accepted for finance?

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. Your lender will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time.

It’s important to know that if your application is accepted, a ‘hard’ credit check may be made on your credit file. 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 an application credit search was made on your credit file.

How do I make my monthly payments?

Duologi will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.

Can I request delivery to an address other than my home address?

In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.

I want to amend my order

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.

I want to change my Direct Debit details

Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.

Are there any fees or charges to pay?

There is no fee for processing your application, and Deko does not charge you for its credit broking services.

Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.

Still have questions? Refer to our extended Deko finance page.


Buy now, pay later with PayPal Credit

What is PayPal Credit?

PayPal Credit is a line of credit that is linked to your PayPal account. You can use PayPal Credit to spread purchases over 6-24 months.

How does PayPal Credit work?

PayPal Credit offers 0% interest for 4 months on all purchases of £99 or more. Any remaining balance after the 4 month interest free promotional period will be charged at 21.9% APR (variable).

To apply for PayPal Credit, you will need to complete a short application form. If you are approved, you will have a credit limit that you can use to make purchases.

Transactions under £99 can also be paid for using PayPal Credit, however, interest will be charged at 21.9% APR (variable).

Benefits of using PayPal Credit

  • 0% interest for 4 months on purchases over £99.00
  • Easy application process
  • Convenient and secure way to pay
  • PayPal Buyer Protection covers your eligible purchases

How to use PayPal Credit

  • Add your desired items to your cart
  • Select Pay Later as your payment method at checkout
  • Log in to your PayPal account
  • Select PayPal Credit
  • Choose the option that works for you
  • Complete your application and be approved instantly

Terms and conditions

  • 4 month interest free offer valid for purchases over £99.00
  • Interest will be charged at 21.9% p.a. (variable) on any remaining balance after the 4-month promotional period
  • Credit subject to status
  • Terms and conditions apply

For more information, visit PayPal's help page.


Pay in 3 with PayPal Pay Later

Pay in 3

What is PayPal Pay in 3?

PayPal Pay in 3 is a payment option that allows you to split your purchase into three interest-free payments using your existing PayPal account. There are no fees or charges associated with using Pay in 3.

Buy now, pay later with PayPal Pay in 3 is available on purchases between £30-£2000.

How does Pay in 3 work?

To use PayPal Pay in 3, simply choose Pay Later as your payment option at checkout and login using your PayPal details. You will then make three equal payments, with the first payment due immediately and the remaining two payments due every 30 days.

To apply for PayPal Pay in 3, you’ll need to provide your:

  • Title
  • Phone number
  • Address
  • Date of birth
  • Payment details

PayPal will assess your financial position using a combination of the information you provided within your application and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time.

Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.

Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit so may not be suitable for everyone and use may affect your credit score.

Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal.

What are the terms and conditions of PayPal Credit and Pay in 3?

There are a couple of terms and conditions that you should be aware of before using PayPal Pay in 3 and PayPal Credit. These include:

  • You must make all three payments on time. If you miss a payment, you will be charged interest and fees
  • You must be at least 18 years old to use this service

Here are some additional things to keep in mind about PayPal Pay in 3 and PayPal Credit:

  • PayPal Pay in 3 and PayPal Credit is a form of credit, so it is important to use it responsibly
  • You should only use this method for purchases that you can afford to repay
  • If you have any financial difficulties, you should contact PayPal to discuss your options

Finance options at Toolstop

Shop Tools on Finance That You Need Today & Split the Cost

We know that getting the tools you need, when you need them, is imperative to the success of any project. And at Toolstop, we want to give you total control over how you pay for your tools. That is why we offer PayPal Credit and PayPal Pay in 3.

Never Miss Out on That New Tool You’ve Had Your Eye on Again 👀

What Is Clearpay?

Clearpay is a safe and secure buy now, pay later platform that allows you to shop now and pay at a later date with interest free payments. There is no minimum purchase amount.

Your purchase will be split into 4 payments, payable every 2 weeks.


Why Use Clearpay?

Clearpay brings you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.

To sign up with Clearpay, you must:

  • Be 18 or older
  • Have a valid / verifiable phone number and email address
  • Be able to provide payment from a UK bank card (Visa or Mastercard Debit or Credit Card)
  • Be able to enter into a legally binding contract
  • Have a valid and verifiable ID
  • Be a resident of the UK (England/Wales/Scotland/Northern Ireland). No UK territories or British Forces Post Offices addresses are allowed. No Isle of Man, Jersey or Guernsey addresses are allowed

How It Works

Step 1 - Add products to your cart and select “Clearpay” at the checkout

First-time customers will need to create a Clearpay account (with instant approval decision) and returning customers will simply log in to make their purchase.

Step 2 - Enter a few personal details and you’ll know instantly if you’re approved

Step 3 - The payment of your new goods will be split into 4 equal amounts. You will pay the first payment immediately at the time of purchase and the other 3 will be automatically taken from your account at 2-week intervals.

Step 4 - You can complete your future Clearpay purchases with just one click

 

Clearpay pays the retailer upfront so that your order is shipped as soon as you pay the first instalment.

At any time, you can log in to your Clearpay account to see your payment schedule and make a payment before the due date. Otherwise, Clearpay will automatically take the money from your debit or credit card on your payment due dates.

Example:

Clearpay logo

Dewalt DCD996P2 18V Brushless Combi Drill (2 x 5.0Ah Batteries)

Price: £229

Pay £57.25 today

Then make another 3 payments of £57.25, payable every 2 weeks.

Clearpay logo

Dewalt DCD996P2 18V Brushless Combi Drill (2 x 5.0Ah Batteries)

Price: £229

Pay £57.25 today

Then make another 3 payments of £57.25, payable every 2 weeks.


Clearpay is free to use as long as you make your payments on time. The only situation in which you’ll pay more is if you don’t have enough money in your account to make the automatic payments. In this case, you’ll be charged a late fee and will need to log in to your Clearpay account to clear the balance.

Clearpay can be contacted via their online Help Centre, or via phone at 0808 164 9707, Monday to Friday, 8am-6pm.


How to Pay

Payments are automatically taken every 2 weeks from the card used at checkout . You can make early re-payments should you wish via the Clearpay app.

Download the Clearpay app

Log in online

Chat with customer services

How Does Clearpay Finance Work?

With Clearpay Finance, you can spread the cost of your tools over 4 equal payments. This gives you the opportunity to get the best of the best now and keep your expenses manageable. Clearpay is available on orders of any amount.

Clearpay lends you a fixed amount of credit to allow you to pay for your purchase over 4 instalments, due every 2 weeks.
To be eligible for credit from Clearpay, you must be over 18 years of age and a permanent UK resident (excluding Channel Islands).

Make sure you can make your repayments on time by each due date to avoid late fees. Additional eligibility criteria apply. The first payment is due at the time of purchase.

For complete terms visit clearpay.co.uk/en-GB/terms-of-service. Clearpay Finance Limited.

We encourage you to use Clearpay responsibly.



Am I Eligible for Clearpay?

Please Note: Clearpay does not approve 100% of orders as they are committed to supporting responsible spending. When determining which orders to approve, a number of different factors are considered.

Clearpay will carry out some checks before approval. Before applying you should make sure you:

  • Are at least 18 years old
  • Have a valid and verifiable email address and phone number
  • Use a UK bank payment card (Visa or Mastercard Debit or Credit Card)
  • Are capable of entering into a legally binding contract
  • Have a verifiable and valid ID
  • Are living in the UK (England/Wales/Scotland/Northern Ireland). No UK territories or British Forces Post Offices addresses are allowed, no Isle of Man, Jersey or Guernsey addresses are allowed

Things to consider:

  • Are there sufficient funds on your card?
  • The length of time you have been using Clearpay
  • The amount you have to repay
  • The value of the order you are trying to place
  • The number of orders you currently have 'open' with Clearpay

Disclosure

Toolstop Ltd. is authorised and regulated by the Financial Conduct Authority (FCA FRN 737231) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB (publ). Please note that the following products are not regulated by the FCA: Pay in 30 days and Pay in 3 instalments. Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply.

Klarna Bank AB (publ) is authorised by the Swedish Financial Supervisory Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of this regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Klarna Bank AB (publ) on request.


Why use Klarna?

Option 1: Pay in 3

3 Interest-Free Instalments

Available on orders from £150 - £750

Interest-free instalments give you the freedom to choose how and when to pay. Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later. We offer this on orders from £150 - £750. There is zero interest and never any fees when you pay on time.

Payment Options at Toolstop

Option 2: Finance

9.9% APR Over 12 or 24 Months

Available on orders over £250

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. After you’re approved, manage purchases and set up automatic payments in the Klarna App. We offer this on orders over £250. See example:

Example

Cost of item: £1000 + 9.9% APR

Plan Cost Per Month Total Amount
12 Months £87.67 £1052.08
24 Months £45.90 £1101.70

Klarna Finance is subject to financial circumstances. You must be 18 years or over to apply. Credit is provided by Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden. If you already have a Klarna Credit account, this purchase will be added to your balance.

Representative example: Representative APR (variable) 9.9% APR with an assumed credit limit of £1,200 and a purchase rate of 9.9% p.a.

Klarna Update June 2022

On 1st June 2022, Klarna is introducing a new change that will provide customers with additional control over their financial lives.

This will enable consumers to build up a positive credit profile through responsible use of Klarna’s BNPL (buy now pay later) products and give the financial services industry greater visibility on the use of BNPL products, helping to improve affordability assessments.

Klarna consumers who make payments on time will show lenders they use credit responsibly, and the financial services industry will be better able to ensure consumers are not building up unsustainable debt with multiple providers. Klarna will do this by reporting BNPL purchases made in the UK to credit reference agencies (CRAs). CRAs store details of consumers’ use of credit and can be used by lenders, such as mortgage or credit card companies, and some BNPL providers including Klarna, when making lending decisions. When Klarna begins reporting to CRAs, other lenders will be able to take into account consumers’ use of Klarna Pay in 30 days and Pay in 3 instalments when evaluating whether to lend to someone. Klarna will share data on purchases settled on time, late and unpaid payments for Pay in 30 days and Pay in 3 instalments purchases made on or after 1st June 2022.

Klarna consumers who make payments on time will see long-term benefits, showing lenders that they use credit responsibly.

Who Is Klarna?

Klarna is a Swedish bank and payment service provider for over 100,000 online stores. Over 60 million worldwide customers have trusted Klarna to securely handle their payments.

How Does Klarna Finance Work?

With Klarna Finance at Toolstop you can spread the cost of your tools over 12 or 24 months. This gives you the opportunity to get the best of the best now and keep your expenses manageable. We offer this on orders over £250 up to a maximum of £5000. See right for an example.

Visit the Klarna FAQ page to find out more about using Klarna.

How Does Pay in 3 Work?

Pay in 3 allows you to spread the cost of your purchase over 3 interest-free payments. These will be automatically collected from the debit or credit card you enter at checkout. The first instalment will be collected when your order is confirmed and the 2nd and 3rd instalments are then collected 30 and 60 days later.

Visit the Klarna FAQ page to find out more about using Klarna.


Am I Eligible for Pay in 3?

If you’re over 18 and pass the soft credit check, you should be eligible to use Pay later in 3, subject to your financial circumstances. Your credit rating will not be affected by using Pay later in 3.

Finance Calculator

Buy now, pay monthly with Deko

We’ve teamed up with Deko to offer you a range of interest-bearing finance options to help you spread the cost of your purchase over 12 to 60 months. Toolstop offers finance through Deko on all orders between £280 and £15,000 and you can choose a deposit of up to 50% of the value of the goods.

A 10% deposit is required for all orders placed with Deko finance, however there is also the option to pay a 20, 30, 40 or 50% deposit. Finance terms are as follows:

  • 12 months (17.9%)
  • 24 months (14.9%)
  • 36 months (14.9%)
  • 48 months (14.9%)
  • 60 months (14.9%)

How it works

To apply for finance through Deko, simply choose the Deko option at checkout and enter your personal and financial information. Deko will then share your application with their panel of lenders, who will make a decision on your application within minutes. If you are approved for finance, you will be able to choose your repayment plan and complete your purchase. You can use the Deko finance calculator to see how different loan values, terms and interest rates affect the total amount you need to pay and the monthly repayments.

Benefits of Deko finance

Flexible repayment plans: Deko offers a variety of repayment plans to suit your individual needs. You can choose to pay off your balance over a period of months or years.

Instant decision: Deko's decisioning process is quick and easy. You will typically receive a decision on your application within minutes, so you can get your purchase today.

No impact on your credit score: Applying for finance through Deko will have no impact on your credit score. Deko only share your application with lenders who are pre-approved to work with them, so you can be confident that your application will be considered fairly.

What you need to know

Deko is a credit broker, not a lender. This means that Deko does not provide the finance itself, but instead connects businesses and customers with lenders who are best suited to their needs. Deko is authorised and regulated by the Financial Conduct Authority (FCA). As a customer of Toolstop, your finance application will be considered by Duologi.

To be considered for Deko finance, you will need to meet all of the following criteria:

• Are at least 18 years old
• Are in regular full or part-time employment (minimum 16 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living 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 Judgments or bankruptcies.

Will I be accepted for finance?

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. Your lender will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time.

It’s important to know that if your application is accepted, a ‘hard’ credit check may be made on your credit file. 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 an application credit search was made on your credit file.

How do I make my monthly payments?

Duologi will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.

Can I request delivery to an address other than my home address?

In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.

I want to amend my order

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.

I want to change my Direct Debit details

Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.

Are there any fees or charges to pay?

There is no fee for processing your application, and Deko does not charge you for its credit broking services.

Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.

Still have questions? Refer to our extended Deko finance page.


Buy now, pay later with PayPal Credit

What is PayPal Credit?

PayPal Credit is a line of credit that is linked to your PayPal account. You can use PayPal Credit to spread purchases over 6-24 months.

How does PayPal Credit work?

PayPal Credit offers 0% interest for 4 months on all purchases of £99 or more. Any remaining balance after the 4 month interest free promotional period will be charged at at 21.9% APR (variable).

To apply for PayPal Credit, you will need to complete a short application form. If you are approved, you will have a credit limit that you can use to make purchases.

Transactions under £99 can also be paid for using PayPal Credit, however, interest will be charged at 21.9% APR (variable).

Benefits of using PayPal Credit

  • 0% interest for 4 months on purchases over £99.00
  • Easy application process
  • Convenient and secure way to pay
  • PayPal Buyer Protection covers your eligible purchases

How to use PayPal Credit

  • Add your desired items to your cart
  • Select Pay Later as your payment method at checkout
  • Log in to your PayPal account
  • Select PayPal Credit
  • Choose the option that works for you
  • Complete your application and be approved instantly

Terms and conditions

  • 4 month interest free offer valid for purchases over £99.00
  • Interest will be charged at 21.9% p.a. (variable) on any remaining balance after the 4-month promotional period
  • Credit subject to status
  • Terms and conditions apply

For more information, visit PayPal's help page.


pay in 3 with PayPal Pay Later

Pay in 3

What is PayPal Pay in 3?

PayPal Pay in 3 is a payment option that allows you to split your purchase into three interest-free payments using your existing PayPal account. There are no fees or charges associated with using Pay in 3.

Buy now, pay later with PayPal Pay in 3 is available on purchases between £30-£2000.

How does Pay in 3 work?

To use PayPal Pay in 3, simply choose Pay Later as your payment option at checkout and login using your PayPal details. You will then make three equal payments, with the first payment due immediately and the remaining two payments due every 30 days.

To apply for PayPal Pay in 3, you’ll need to provide your:

  • Title
  • Phone number
  • Address
  • Date of birth
  • Payment details

PayPal will assess your financial position using a combination of the information you provided within your application and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time.

Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.

Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit so may not be suitable for everyone and use may affect your credit score.

Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal.

What are the terms and conditions of PayPal Credit and Pay in 3?

There are a couple of terms and conditions that you should be aware of before using PayPal Pay in 3 and PayPal Credit. These include:

  • You must make all three payments on time. If you miss a payment, you will be charged interest and fees
  • You must be at least 18 years old to use this service

Here are some additional things to keep in mind about PayPal Pay in 3 and PayPal Credit:

  • PayPal Pay in 3 and PayPal Credit is a form of credit, so it is important to use it responsibly
  • You should only use this method for purchases that you can afford to repay
  • If you have any financial difficulties, you should contact PayPal to discuss your options