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Finance Your Purchase

Power Computing offers a flexible finance package in association with Deko and Omni Capital Retail Finance Ltd which means that you can spread the cost of owning one of our Custom PCs over time.

It can all be done online and best of all you get an instant decision.

General information

Finance is available to anyone over the age of 18 and for a loan value between £250 and £7,500. A minimum deposit of 10% is all that is required, up to a maximum of 50% which means that, to be able to finance your purchase, your shopping cart value should be a minimum of £277.78 (£250 loan and a 10% deposit of £27.78).

For your added convenience, we currently offer three finance packages at 19.9% APR:

  • 12 month Classic Credit
  • 24 month Classic Credit
  • 36 month Classic Credit

The system is paperless and utilises a digital signature meaning that you do not have to wait for decisions, agreements and the postal system. Your deposit can also be paid online so we can start processing your order within minutes and not days.

Finance Calculator

Why not try out our finance calculator to see how your repayments would change depending on the term of the loan and your initial deposit:

Buy on Finance

Please choose the cost of the goods you wish to buy and the term of your finance package:


Amount of loan£ 400.00
Term36 months
Representative APR24.9%
Monthly repayment£15.37
pay by finance

Vary the amount of your deposit to see how your repayments change:

This calculator is also available on the Basket and Payment pages. A representative finance example is shown on the overview pages of products that qualify for finance.

Example 12 month Classic Credit Finance Option, 19.9% APR

  • Total Order Value: £1099.00
  • Deposit: £110.00
  • Amount of Credit: £989.00
  • 12 Monthly Instalments: £90.78
  • Amount Repayable: £1089.36 plus £110 deposit

Who can use our Finance Solution?

  • You must be 18 years old or over.
  • You must be in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Be a permanent UK resident and able to supply a UK address history for the last 3 years.
  • You must have a UK bank account capable of accepting Direct Debits.
  • No adverse credit history (no CCJs, IVAs or bankruptcies).
  • The deposit must be paid using a credit or debit card.
  • You must supply an email address so that the documentation can be emailed to you.

How to Apply

Simply add the product you want to your shopping cart and checkout in the normal way – if the products you are ordering qualify for finance you will see a representative example on the product and basket screens. You can apply for finance on either the Basket and Payment pages.

On the Basket page you will see a Deko box where you can vary the term of your finance and the deposit. Feel free to adjust these as you wish. If you would like to apply for finance immediately simply click in the grey 'FAST FINANCE - APPLY NOW - CLICK HERE' area at the bottom of the box – you will be taken to the Deko application page.

On the Payment page choose 'Deko' as your payment method – a box will appear where you can choose your finance term and deposit. When you have chosen these, press CONFIRM at the bottom left of the screen – after confirming your order you will be taken to the online application.

How long does it take to Apply?

Typically less than 3 minutes. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds.

Some applications may take longer to process. If for any reason an instant decision cannot be made, we'll send you an email the moment the finance company makes a decision.

How are my Monthly Payments Paid?

Directly from your nominated bank account. The first direct debit payment is due 14 days after the date of the Finance Agreement and subsequent payments will be due on that date each month.


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.

What Can I Purchase?

Any products from our website,as long as the value in your basket is greater than £277.78 and less than £15,000.

Can I Pay My Agreement off Early?

Yes, your Credit Agreement will explain how.

Will the finance company perform a credit check?

Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

What if I have bad credit?

The finance company uses an automated credit check as part of its decision making process. If you have an adverse credit record it may affect the decision. To give yourself the best chance of acceptance, please ensure you complete the credit application form correctly. Please don't apply for credit unless you're sure you will be able to comfortably repay it.

Power Computing's consumer credit service is provided by Deko in association with Omni Capital Retail Finance.

Who is Deko?

Deko is a trading name of Pay4Later Ltd which acts as a credit broker and not a lender. It is registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (registration number 728646). For more information please visit http://www.dekopay.com/.

Power Computing Ltd is authorised and regulated by the Financial Conduct Authority (registration number 675348) and acts 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 (registration number 720279) and is a member of the Finance and Leasing Association. For more information please visit http://www.omnicapitalretailfinance.co.uk/.


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Send us a secure message using this form and we'll get back to you as soon as possible, normally within 1 working day.

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Payment Methods

We accept most credit and debit cards online and in-store, secured by SagePay. In addition you can pay using PayPal.


Our 2 Year Warranty

We are so confident about the quality of our systems that we are able to cover our PC Systems with a two-year, free collect-and-delivery, warranty on parts and labour.


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