Instant Finance Schemes (Alloy Wheels Finance)

Finance is a great way to spread the cost of your purchase. To make it easy we've teamed up with DEKO whose smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once at checkout select the finance option that suits you and then choose Instant Finance. The quick application form should take no more than a couple of minutes to complete and you'll receive an instant decision. Easy!

Finance Schemes / Calculator

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12, 24, 10 (Interest Free) or 6 (Interest Free) months. The value of the loan needs to be over £250.00 and you can choose a deposit from 10% up to 50% of the value of the goods.

Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

Representative Examples

0% finance over 10 months
Total order value = £600.00 / 10% deposit = £60.00 / Total amount of credit = £540.00 / Duration = 10 months / Representative APR = 0% / Interest charged = £0.00 / 10 monthly payments of = £54.00 / Total amount payable = £600.00

15.9% finance over 12 months
Total order value = £600.00 / 10% deposit = £60.00 / Total amount of credit = £540.00 / Duration = 12 months / Representative APR = 15.9% / Interest charged = £44.51 / 12 monthly payments of = £48.71 / Total amount payable = £644.51

Will I qualify for finance?

To apply for our finance schemes you need to meet the following criteria:

• Are at least 18 years old.
• Are in regular full or part-time employment (minimum 16 hours per week or £5000 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, CCJs, IVAs or bankruptcies.
• Provide a valid email address so your documentation can be emailed to you.

How do I buy my wheels on finance?

You can either apply online which is the easiest method, or alternatively if you can't find the products you wish to order online then you can call/email our sales team who will be happy to setup a bespoke finance quotation for you.

APPLYING ONLINE:
Simply pick the wheels and/or tyres that you wanted to buy and add them to your shopping cart. Please continue through to the checkout stage and select 'Instant Finance' as the payment method. You will then be directed straight into the secure finance application system to apply online instantly.

APPLYING BY PHONE / EMAIL (if you can't find the products you require online):
If you wanted us to start the finance application for you, then please call or email or sales advisors who will be able to setup the finance offer on your required terms. Once the finance offer has been setup we will email this to you. If you are happy with the offer and wish to proceed into the application, then please click on 'APPLY NOW' on the email to be taken into the secure finance system to run through the credit checks.

It takes minutes to apply and only 10 seconds for the credit checks to be completed.

We advise you have your bank and employment details to hand as you will require these to apply. If your application is successful then you will be required to pay your deposit (minimum of 10% / maximum of 50%) to complete the application.

My application was successful - what's next?

You will need to pay the deposit to finalise the application and this will confirm to us that your order is placed. We will then be able to process your order and despatch your goods. Delivery on average takes 1-3 working days depending on stock availability or any special delivery terms. You will receive an automated email from us outlining your order.

My application declined - what can I do?

Although we have a very high acceptance rate on finance, there will be occasions when customers are unsuccessful. This can be due to a number of reasons, but it is mainly based on credit scoring. You have the option to pay in full on a credit/debit card.

How do the repayments work?

After the initial deposit has been paid, the remaining amount on the loan will be spread over the period of months that you requested. The repayments will be debited by direct debit from your bank account every month until the loan has been settled.

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.

Do I have the option to settle the finance early?

At any point throughout the term of the finance you have the option to settle the finance early. There are no penalties or charges for doing this and the interest will only run upto the point of the final payment made. This means that if you take out a 12 month policy and after 3 months you decide to pay off the finance in full, you can do so without paying any charges!

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.

The legal bit…

Rimstyle Ltd. is authorised and regulated by the Financial Conduct Authority, register number 712256. Rimstyle Ltd. is a broker and not a lender. 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 refer to www.dekopay.com/faq or visit www.dekopay.com.