Course Financing

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 smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items to your basket. Once you are at the checkout select the finance option that suits you and then choose Deko. The quick application form should take you no more than a couple of minutes to complete and you’ll receive instant decision. Easy!

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 £5,000 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.
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 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.

MONTHLY INSTALMENTS (FINANCE OPTION)

Instead of paying in full, you do have the option to apply for financing to pay for your course in instalments over a 12 – 48 month period. Payments are comprised of an upfront deposit of 10% or 50% of the total amount, plus 12 or 48 equal monthly payments thereafter. Barbering equipment and textbooks costs cannot be included in the financing and must be purchased separately. The interest rate (APR) on the financing is 19.9%, which equates to £33.38 per month for every £1000 borrowed.

To apply, phone 0207 404 0998 or email [email protected] to request an application, and include the course name and start date that you wish to take. The applicant must have to have a source of income to qualify, so if you personally do not have an income then ask a family member or friend to apply for the financing.

You can pay off all or part of your loan early at any time and there are no early repayment fees. You can make additional payments, increase your monthly instalments or repay your loan off in full; all these functions can be managed online. Once you have been approved.

If you are approved then your deposit will be taken immediately and the remaining monthly payments will start 30 days thereafter. Finance can only be applied to courses starting 14 days or more in advance.

PAYMENT IN INSTALMENTS

If you wish to pay for you course in installments, you can do so by following the below steps:

  • Book a future course start date (in advance). A non-refundable deposit is required.
  • We will email you an invoice for the remaining balance
  • After you pay a deposit, you have until 3-4 weeks before the course start date to pay off the balance. You can then pay as much as you wish, when you wish*, as long as all balances are cleared by 3-4* weeks before you start the course.
  • You can pay by card over the telephone or email (please note 3% is added to each payment), or bank transfer (if you are paying from a non-UK account you must add £15 to each payment).

* For non UK bank transfers, balances must be cleared by 4 weeks before course start dates.

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