Buy now, pay later: Garden buildings on finance

Finance is a great way to spread the cost of your garden building purchase. To make it as easy as possible, we've teamed up with Deko for a quick online service. Deko is available on orders over £500. If you pay within 12 months, you can benefit from 0% interest.

Garden buildings on finance

Sheds on finance

Need a new garden shed? Make sure you don’t grow out of your
storage space by choosing the biggest and best quality model you can afford. Buying a shed with our ‘buy now, pay later’ option allows you to up-size, and spread the cost evenly over 6, 12, 24 or 36 months. 

Summer houses on finance

summer house is the perfect way to make the most of your garden through the warmest months of the year. With interest-free credit you don’t have to wait. Just choose from our wide range of traditional
or contemporary designs and start enjoying your new summer house as soon as possible. 

Pay monthly Log cabins

All year round garden buildings like log cabins are a significant investment, so spreading the cost with regular monthly repayments can make life so much easier. Whether you need a dedicated home office, additional living space or somewhere to entertain, just complete our quick online finance form and choose your delivery slot. 

Insulated garden rooms on finance

A luxury insulated garden room from Waltons is the ultimate solution to all year round comfort. Cheaper than an extension, it can even be used as an occasional guest room. To make it more affordable, why not choose a finance option to spread the cost of your purchase? You could have your new insulated garden room up and running within a few weeks, while paying it off in manageable, monthly instalments. 

What you need to know

Used responsibly, finance is a great way to spread the cost of your purchase. We’ve teamed up with Deko, whose secure technology lets you complete a loan application with one or more carefully selected lenders quickly and easily. Deko is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority. Find
out more about how Waltons and Deko are regulated. under the “Legal Information” section of this page.

Selecting finance at checkout

To spread the cost of your purchase, simply choose Deko at the checkout and select the finance option that suits you. The application form is quick and simple and includes help text throughout to assist you. You will receive a decision from your lender in just a few seconds.

Please be aware that finance options are a form of credit. If you fail to maintain your payments, your lender could ask a debt collector to contact you or commence legal action to recover the money you owe. A poor repayment record will affect your credit file.

Lender Arrangements

All of Deko’s lenders hold the required authorisation and permissions to provide you with credit. They need to meet high responsible lending standards, so you can rest assured that your application will be considered fairly and responsibly.

Whichever lender Deko introduces you to, Deko may receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders Deko works with pay commission at different rates, but the commission received does not influence
the interest rate you pay. You will be offered the best rate available from Deko’s partner lenders, based on the lenders’ decision policies. You have the right to know the amount of commission paid in relation to your application - if you’d like this, you can ask Deko’s customer support team on or by phone on 0800 294 5891.

Check your eligibility

Deko works with a carefully selected panel of lenders. Each lender’s eligibility criteria will be different and so if you do not meet the criteria for a particular lender, your application may be passed to another lender on Deko’s panel for consideration.

To be considered for finance, you will need to meet all of the following criteria:

At least 18 years old

Gross annual income of £5,000+

UK resident (of 3 years or more)

UK bank account capable of accepting Direct Debits

You are not currently bankrupt, subject to an Individual Voluntary Arrangement (“IVA”), or have any Country Court Judgments (“CCJs”)

Available finance options

We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 to 60 months. The value of the loan needs to be over
£500 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods.

Pay monthly options

The minimum spend for orders applicable for finance is £500, which applies to the total amount at the basket. So if you're looking for a ‘pay monthly’ shed below that amount, it’s worth ordering those important extras if you’d like to apply for finance. 

We can offer interest-free credit on any purchases over £500 with terms of 6 or 12 months repayment, however terms lasting longer than this will be subject to interest payments. 

There are four payment terms to
choose from, to offer maximum flexibility. Choose between:

6 months at 0% interest

12 months at 0% interest

24 months at 14.9%

36 months at 14.9%

You can spread the cost with fixed payments, using the best repayment method for you. 

Deko uses a panel of lenders, so if you're not accepted for the repayment plan you've applied for, then Deko will present your application to another lender with different acceptance
criteria, so you have a second chance to be approved.

A minimum deposit of 10% will be required for your purchase, however we won't take any money from you until your loan has been approved by Deko.

The maximum deposit you can put down for your order is 50% of the total cost price. Please note that not all items are eligible for finance.

Understanding the numbers

Deko wants to make sure that you understand the costs, terms and key features of the finance options available to you. You will see this information as you shop and at checkout. Use our finance calculator at checkout to see how different loan values, terms and interest rates affect the total amount you need to pay and the monthly repayments. The finance calculator is for illustrative purposes only and is not a quote, or formal offer of finance. The offer you receive if
you apply will be dependent on your personal circumstances and the lender’s policies. It’s important that you understand what this information means for you before you decide to apply for finance. The numbers and information you see when taking out finance can be overwhelming and so Deko has provided a simple guide to help you.

Whichever finance option you choose to apply for, you need to be sure that you can afford to pay the deposit, and keep up with your monthly repayments. You should think about any changes to your situation that might occur during the term of the loan, which could impact on your finances - e.g. retirement, moving home,
changing jobs, or any health issues which could affect your income or

Alongside the finance calculator and on some of our promotional banners, you will also
see the representative example. This could be written in a sentence, as shown
in the example below, or in a table format.

Representative example:

Cash price £500.00, Deposit £50.00. Total amount of credit £450.00 over 48
months with an annual interest rate of 4.9% (Fixed). Monthly repayments will be
£10.32 with a total repayable of £545.36. 4.9% APR representative.

The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

As we mentioned earlier, the representative example is not a quote or formal
offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.

Whilst these numbers are there to help you understand what a loan will cost you, it’s important that you understand any other potential costs in the terms
and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don’t keep up with your payments.

It’s a fact of life that things can change for any of us. If something changes in
your personal, or financial circumstances, Deko and your lender will do all they can to help make it as easy as possible to submit your application and
manage your loan repayments.

If you’re struggling at any point with your application online, or you don’t understand anything, please contact Deko’s customer support team at or 0800 294 5891.

If you find yourself struggling due to a change in your circumstances, please
contact your lender and ask for their help.


Will I be accepted for finance?

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. Your lender will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time. It’s important to know that if your application is accepted, a ‘hard’ credit check may be made on your credit file. Only you can see that a ‘soft’ search has been made on your credit file, but a ‘hard’ credit check will be visible to others viewing your credit file, for example, if you apply for
credit in the future, the lender will see that an application credit search was made on your credit file. 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.

What do I do if I have been declined?

If your application was declined, your lender may be unable to give you specific reasons why. Lenders use 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 contact your lender - their contact details will appear on the email informing you that your application was declined.

You can also contact the Credit Reference Agencies if you think there is a
mistake on your credit report:


Who should I contact if I have a question about my loan?

For any questions about your loan, such as your Direct Debit or updating your personal details, please contact your lender. Their contact details will be provided throughout your application and on any communications you receive about your finance application.

I'm having problems paying my deposit online

Please contact Deko customer support at or 0800 294 5891.

When will I receive a copy of my loan agreement?

You will be presented with an unsigned copy of your credit agreement for you to sign once your lender has made their decision. Once you have signed your credit agreement, your lender will also sign it and a copy will be available for you to download. These will also be emailed securely to your given email address.

If you need a copy of your agreement at any point after this, you can request
this from your lender. The terms of your loan agreement will set out your rightto withdraw. You may be able to withdraw from your loan agreement within 14
days. However, if you do so, you will still be responsible to pay for your goods by another payment method.

How do I make my monthly payments?

Your lender will help you set up convenient, pre-authorised payments via your bank
account or your credit/debit card.

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

In order to safeguard against fraudulent applications, 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 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.

I want to change my payment date

Changing your payment date can only be done once the first payment has been taken.
Please contact your lender to talk to them about updating your Direct Debit

Please note that if purchasing a product by finance, delivery may be delayed depending
on how long the finance application takes.

Are there any fees or charges to pay?

There is no fee for processing your application, and Deko does not charge you for its credit broking services. Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out
in the terms of your credit agreement.

I want to return my goods and cancel my finance agreement

Please see our terms and conditions. Some products cannot be cancelled, for example,
made-to-order or bespoke goods, so you should check this before you complete
your purchase.

Where you do have the right to cancel, you must do this within 14 days of entering into the finance agreement. To cancel your finance agreement, please contact us (Waltons) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise your lender tocancel your finance agreement and refund any payments that have been made. If you made your purchase in-store, we will refund any deposit payment that you made. Your finance agreement can only be cancelled by your lender if your purchase is cancelled with us.

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

If you are not satisfied with your purchase you can return it up to 14 days after delivery. In this case, we will notify your lender to reduce your loan amount accordingly. You will receive confirmation from your lender within 3-5 business days after we received your return in cases where a full refund is processed.

Use of your personal data

In order to process your application, you will be asked to provide information
about your personal, employment and financial situation. Deko share your
personal data with their partner lenders so that they can make a decision about
whether to offer you finance. Lenders perform a search with one or more Credit
Reference Agencies to conduct their creditworthiness and affordability
assessment to enable them to make their decision.

You can find out more about how Deko uses and protects your personal data in
their Privacy Policy.

Your lender will let you know where you can find more information about their
privacy policy.