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We now offer two different finance options

Fixed APR Finance

Up to 60 months credit • From 9.9% APR



(Formerly Pay4Later)

Our interest bearing finance options are available on certain products. Please contact us for more information


  • A minimum of a 20% deposit is required when you apply.
  • The minimum order total is £500 (inc VAT).
  • Non-new products are not eligible (e.g. Ex-Demo, B-Stock).
  • Available on most products, contact us for info.


Apply now online

Simply choose FINANCE as your payment method when you checkout

Interest Free Finance

Up to 12 months credit • 0% APR



(Formerly Pay4Later)

Our interest free finance option lets you split the cost of your order over 6, 10 or 12 months.


  • A minimum of a 20% deposit is required when you apply.
  • The minimum order total is £500 (inc VAT).
  • Non-new products are not eligible (e.g. Ex-Demo, B-Stock).
  • Only available on selected products, contact us for info.


Apply now online

Simply choose FINANCE as your payment method when you checkout


Examples

  • 6 Months • Interest Free
  • Order Total
  • £1000
  • 20% Deposit
  • £200
  • Number of payments
  • 6
  • Cost Per Month
  • £133.33
  • Cost of Finance
  • £0
  • 10 Months • Interest Free
  • Order Total
  • £1000
  • 20% Deposit
  • £200
  • Number of payments
  • 10
  • Cost Per Month
  • £80.00
  • Cost of Finance
  • £0
  • 12 Months • Interest Free
  • Order Total
  • £1000
  • 20% Deposit
  • £200
  • Number of payments
  • 12
  • Cost Per Month
  • £66.66
  • Cost of Finance
  • £0
  • 12 Months • 9.9% Fixed APR
  • Order Total
  • £2000
  • 20% Deposit
  • £400
  • Number of payments
  • 12
  • Cost Per Month
  • £140.28
  • Cost of Finance
  • £83.36

  • 24 Months • 9.9% Fixed APR
  • Order Total
  • £2000
  • 20% Deposit
  • £400
  • Number of payments
  • 24
  • Cost Per Month
  • £73.45
  • Cost of Finance
  • £162.80
  • 36 Months • 9.9% Fixed APR
  • Order Total
  • £2000
  • 20% Deposit
  • £400
  • Number of payments
  • 36
  • Cost Per Month
  • £51.24
  • Cost of Finance
  • £244.64
  • 48 Months • 9.9% Fixed APR
  • Order Total
  • £2000
  • 20% Deposit
  • £400
  • Number of payments
  • 48
  • Cost Per Month
  • £40.18
  • Cost of Finance
  • £328.64
  • 60 Months • 9.9% Fixed APR
  • Order Total
  • £2000
  • 20% Deposit
  • £400
  • Number of payments
  • 60
  • Cost Per Month
  • £33.59
  • Cost of Finance
  • £415.40

Eligibility

  • You must be least 18 years old
  • You must be in regular full or part-time employment
    (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).
  • You must be a permanent UK resident and have lived in the UK for at least 3 years.
  • You must have a UK bank account capable of accepting Direct Debits.
  • You must have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
  • You must provide an email address so your documentation can be emailed to you.

Studioxchange Ltd (T/A SX Pro) is authorised and regulated by the Financial Conduct Authority. Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. 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/faq or visit dekopay.com.