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Camera Finance

 

Spread The Cost Of Your Camera kit

Using finance to fund your camera purchase enables you to get a camera, lens or any other camera equipment within a monthly budget to suit you. Rather than fully funding an expensive purchase, which we know all about as we are keen photographers ourselves, you can now choose to pay for your kit with a range of finance options provided through the Deko technology platform .

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Finance Options

At Park Cameras we offer a 12.9% APR payment plan over 24, 36 or 48 months for orders over £300. We also often have interest free credit on some items so you can pay for your camera equipment over 6, 12 or 24 monthly installments - take a look at our current Interest-Free Camera offers

Price Range £300 - £5,500
Deposit 10-50%
0% Finance
Selected products
6 Months 12 Months 24 Months
12.9% Finance 24 Months 36 Months 48 Months

 

How Does The Finance Process Work?

We’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively. Once you’ve added the items you wish to buy to your basket, proceed to the Checkout and select the Deko finance option and follow the steps to apply online.

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!

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 soft credit check is done and only once all security checks have been completed and your deposit has been paid will 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.

Read on for more detailed information about Deko and the finance process at Park Cameras. Please call us on 01444 23 70 70 or e-mail us at sales@parkcameras.com if you have any questions.

I would like to change the 10% deposit for a higher one when purchasing, how can I do that?

If you are happy to pay a 10% deposit, you can do it all online when going through checkout

If you would like to pay a higher deposit amount (between 10% and 50%):

  • Call us on 01444 23 70 70
  • Our customer sales team will then set up your order on our system for you, as per your requirements
  • Our sales team will email you a link with your chosen order value, finance product and deposit
  • You will then follow the link to Deko to complete the finance application online

Representative Example

£1,579.00

Model Shown:

Nikon D610 + AF-S NIKKOR 24-85mm lens

*Pricing accurate as of 12/02/2019

£1,199.00

 

Model Shown:

OLYMPUS OM-D E-M1 MARK II MIRRORLESS CAMERA BODY

*Pricing accurate as of 07/10/2020

12.9% APR available

Term:

24 Months

36 Months

Selling Price:

£1,199.00

£1,199.00

Min. Deposit (10%):

£119.90

£119.90

Loan Amount:

£1,349.94

£1,426.96

Monthly Payment:

£51.25

£36.31

Total Cost of Credit:

£150.94

£227.96

Total Amount Payable:

£1,349.94

£1,426.96

 

Check your eligibility

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 country Court Judgements (CCJs)
  • Provide an email address so your documentation can be emailed to you.

Declined Credit Applications

You will be informed of the decision if Omni Capital Retail Finance Limited declines your application. Please note, they are unable to share the reason for a decline with us. Applications are usually declined for reasons such as:

  • You do not meet the eligibility criteria (see above);

  • Adverse credit reference agency information;

  • Your credit score;

  • You are considered to be overcommitted; or

  • Your existing account performance with other lenders.

 

Returns & Cancellation Procedure

If you wish to return the order then please refer to our returns policy. If we accept your return we will contact Deko to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.

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 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.

The Lender

Park Cameras is authorised and regulated by the Financial Conduct Authority, register number 1449928 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.

Trade in your old equipment

Fast and easy trade in service ensures your old gear is collected efficiently and you are paid quickly! It's very simple to trade in your unwanted photography gear. Just head over to our dedicated Sell or Part Exchange page, fill out the details, and we'll get back to you with an offer for your old gear. Take the cash, or put it towards the cost of your new gear. It's up to you! Find out more