Finance

Finance can truly be a minefield, so we’ve stripped it back down to basics to keep things easier than ever to keep active at home. Finance is an option for baskets over £299 with 0% interest spread over 6 or 10 months Nice and simple, and you can spread the payment without it costing you a single penny more.


  1. Thinking Of Choosing Finance
  2. Check Your Eligibilty
  3. Our Payment Plan Options
  4. Finance Calculator
  5. Paying With Finance
  6. Finance Decision
  7. Repaying The Loan
  8. Cancellation
  9. Legal Information

1. 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.

  1. Simply add the items you love to your basket.
  2. Once you are at the checkout select the finance option that suits you and choose Deko.
  3. 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!

2. Check Your Eligibilty

You will only be considered for finance if you:

• Are at least 18 years old
• You have a gross annual income each year of more than £5,000
• 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
• You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any to County Court Judgments (CCJs)
• Provide an email address so your documentation can be emailed to you.

3. Our Payment Plan Options

We offer a range of interest-free finance options to help you spread the cost of your purchase over 6 or 10 months. The value of the loan needs to be over £299 and with a deposit of 10% of the value of the goods.

Please note: Should you apply any discounts at the checkout which reduce your basket total to below £299; you will not be eligible for finance.

4. Finance Calculator

Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

This can be found on the product pages and checkout page and will contain all the information you need.

5. Paying With Finance

Simply add the purchases to your basket and select Deko at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.

All of our products are available with finance, as long as your basket total totals £299 or over, so shop now.

Please note: Should you apply any discounts at the checkout which reduce your basket total to below £299; you will not be eligible for finance. Basket value with any discounts applied must be £299 or above to be eligible for finance.

6. 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. However, it’s important to know that when applying for finance, a soft credit check is done. Once all security checks have been completed, and your deposit has been paid, then a hard credit check be 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.

7. Repaying The Loan

Your first direct debit payment will be taken approximately 15 to 30 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. To do so, please contact Omni Captial through their customer service contact details below:

https://www.omnicapitalretailfinance.co.uk/contact/customer/
Customer Service Phone Number: 0333 240 8317
Omni Capital Office Hours:
Monday – Friday, 9 am – 5:30 pm
Saturday/Sunday – Closed

8. 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 (Exercise.co.uk) 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 within 14 days regarding the cancellation. We can arrange collection if the item has been delivered or cancel the despatch if the item is still in our warehouse. Please note if the item has left our warehouse when you contact us, this could incur a cancellation/returns fee. Once the item has been returned, we will cancel your application, and the lender will refund your deposit and let you know of any outstanding balance if applicable.

For any other questions, contact us on our live chat, and we will point you in the right direction.

For our full returns policy, see here.

9. Legal Information

Exercise.co.uk is acting 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.