Camera Finance

Spread The Cost Of Your Camera kit

Using finance to fund your camera purchase enables you to buy 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 .

Thinking of choosing finance?

Used responsibly, a loan 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.

Deko is a credit broker, not a lender. Deko’s secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase. As a customer of Park Cameras , your finance application will be with Duologi.

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

Finance Options

At Park Cameras we offer a 16.9% APR payment plan over 24 months for orders over £300, and 36 or 48 months for credit amounts over £1000. 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

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

The examples shown are for illustrative purposes only. The rate you are offered by the lender will depend on your financial circumstances and the lender’s lending policies. Credit subject to status.

Check your eligibility

You will only be considered for finance if you:

• Are at least 18 years old
• Are in regular full or part-time employment (minimum 1 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.

I have a question about my finance agreement who should I contact?

Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com

I want to change my Direct Debit details.

Changing your payment date can only be done after the first payment has been taken. . Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com

I want to update my personal details.

Please contact Duologi's after-sales support team on 0345 5211881 (option 2) or via email at customers@duologi.com

I'm having problems paying my deposit online

We’re sorry to hear this. Please contact Deko's customer support team at support@dekopay.com or by phone on 0800 294 5891.

When will I receive a copy of my loan agreement?

As part of your application on the Deko platform, you will be presented with pre-contractual information and a copy of your credit agreement for you to digitally sign. Please take time to check the details in these documents are correct and that you understand the amount and frequency of your payments before you sign. Once your deposit has been paid, a copy of your e-signed credit agreement will be emailed to you.

You can get a copy of your loan agreement by contacting support@duologi.com

How do I make my monthly payments?

Your payments will be taken by Direct Debit using the details you provide during your application. If you’d like, you can make additional payments by debit or credit card.

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

In order to safeguard against fraudulent applications, we regret that 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. All credit applications will leave a credit "footprint" on your credit history.

I haven't received my goods or service.

Please contact us (your retailer) and we will help you.

What should I do if I can’t make my payments?

If you find that you’re struggling to make your payments, you should contact Duologi as soon as possible. They will work with you to come to a repayment solution that meets your needs and does not put you at risk of wider financial difficulties. Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com.

Will I be accepted for finance?

Whether you're accepted for finance or not depends on many different factors. At Duologi they have a dedicated credit team that uses their bespoke credit engine to help them reach decisions. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision. This search will appear on your credit file and will be visible to other lenders if you apply for credit with them in future.

In some cases, your application will be referred for further assessment. You may be asked to provide some more information to help Duologi make their decision. If this does happen, you will be told whether your application has been accepted as soon as the decision is made.

Declined Credit Applications

If your application was declined, Duologi may be unable to give you specific reasons why. Duologi uses information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please feel free to contact Duologi via email at support@duologi.com or call them on 0345 5211 881 Option 2. 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

I want to return my goods and cancel my finance agreement.

You will have a 14-day cooling off period, during which you can cancel your finance agreement.

To cancel your finance agreement, you will need to contact us (your retailer) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Duologi to cancel your finance agreement and refund any payments that have been made.

If you have made an in-store application, we will refund any deposit payments that you made.

Please note: in some cases and depending on the nature of the product or service you have purchased, you will not be able to return your goods. Our terms and conditions will explain the types of goods that cannot be returned.

What happens to my loan if I want to return my order?

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. Your lender will refund your deposit and let you know if you have any balance to repay.

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. We do not charge you for credit broking services. Finance is provided through the Deko platform exclusively by Duologi, a trading name of Specialist Lending Ltd, which is authorised and regulated by the Financial Conduct Authority (register number 774712).

Park Cameras Limited - company number 1449928 - Registered address York Road, Victoria Business Park, Burgess Hill, West Sussex, RH15 9TT