This website or its third-party tools use cookies, which are necessary to its functioning and required to achieve the purposes illustrated in the cookie policy. If you want to know more or withdraw your consent to all or some of the cookies, please refer to the privacy policy. By closing this banner, scrolling this page, clicking a link or continuing to browse otherwise, you agree to the use of cookies.

Finance

Bell Tent UK is thrilled to be able to offer finance.


We decided to offer this so our customers can get the tent or kit they dream of, when they need it and not have to save up while missing precious camping time. It is really important to us that you know that we don’t make anything out of these finance packages (not even a finder’s fee) and the rates are therefore set at the most competitive level available from the lender.

Here are two options of getting the right kit now. (N.B. CWS does not make money offering credit)

Paypal Credit

Great for those who already have a Paypal account as it’s really fast and easy to set up and you get 4 months interest free! Click here for more info.

Deko Credit

Another great option for those who prefer not to use Paypal. See below for all the information you need.

The finance is through a separate company called Deko who can usually give a decision within minutes of the online application being completed. If the initial lender can’t help they can often offer other options.

We hope this service helps you get the best Bell Tent for you.

How does it work?

Find the products that you would like to purchase and add them to your shopping basket. If the basket total is more than £300 you will be offered the option of using Deko at the checkout. This is in addition to our normal payment methods that include credit/debit cards and PayPal.

If you choose to finance your purchase you will be directed to a secure application process on Deko's servers. You will be given the choice of 2 schemes between 18 and 24 months duration. A calculator will be provided that will show the repayments and interest rates associated with the scheme you have selected. If you are approved for finance you will need to have your credit card ready to leave a deposit (minimum of 10%). You can then pay the remainder as monthly payments, with a loan duration of your choice.

How much does it cost?

Our finance options all currently based on 19.9% APR but this can vary.

Representative Example: 

5 Metre Ultimate Bell Tent. 
Purchase price: £579, 
Deposit: £57.90, 
Amount of Credit: £521.10, 
18 Monthly Repayments of: £33.31. 
Total Repayable: £657.46. 
Agreement duration: 18 months. 
Rate of Interest (Fixed): 19.9% APR Representative.

Full finance details, including actual monthly repayments and total cost are shown within the application process.

What if I have a bad credit score?

The Deko application process will check your credit record at the point that you submit your application. If your credit score is poor your application may be referred to an underwriter or even declined. Deko has access to several lenders so may be able to offer you another package from one of them if you are declined by the initial primary lender. If you feel this was in error then we recommend contacting Citizens Advice who will be able to help you understand your credit history and correct any errors.

Can anybody apply?

You will need to be a UK resident and unfortunately applications from students and the unemployed will not be considered.

Check your eligibility

You will only be considered for finance if you:

    Are at least 18 years old
    You're in paid employment or have a regular income (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)
    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 Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
    Provide an email address so your documentation can be emailed to you.

Will this application leave a footprint on my credit record?

Yes.

What happens if my credit application is rejected?

Don't worry you will be able to return to checkout and use a credit or debit card, or PayPal to complete your purchase. If in doubt feel free to call us on 07830 355993


Consumer credit service provided by Deko in association with Omni Capital Retail Finance. Deko is licensed by the Financial Conduct Authority (Consumer Credit Licence: 0616240). For more information please visit http://www.deko.com/.

Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority, licensed by the Financial Conduct Authority and a member of the Finance & Leasing Association. For more information please visit http://www.omnicapitalretailerfinance.co.uk/