Luxury at an affordable rate for you
At Harley Street Skin, we appreciate that cosmetic treatment is far more than a 'luxury' purchase. It's not a lavish lunch or a fancy handbag: it's an investment. An investment in yourself, your peace of mind, and most importantly; your future.
Why? Because when you feel fantastic, you (yes, you!) are a force to be reckoned with. We believe that feeling fantastic should be an opportunity afforded to everyone.
That's exactly why we’ve teamed up with Deko whose technology lets you apply for, and complete, a loan application quickly, easily and informatively.
We've also put together a trusty payment tool to help you calculate just what kind of outgoing will be most comfortable for you moving forward. Just select your chosen treatment, how much you are able to provide up front, and over what length of time...
We'll take care of the 'feeling fantastic' bit. How's that for a deal?
Experiment with our very own cost calculator to look at possible payments, and assess the impact of various loan values, terms and interest rates on the treatment of your choice...
The answer to some of the most common questions you may have
We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your treatments over 12 to 48 months. The value of the loan needs to be over £1000 and you can choose a deposit of anywhere from 10 to 50% of the total treatment cost.
Applying for finance could not be simpler- in fact, we would even go as far as saying it can be done and dusted in as little as 5 minutes.
Applications can either be sent out to you at home, or completed alongside one of our friendly finance team here at the clinic - however you feel most comfortable!
No need to spend hours rummaging through files and folders - all of our finance plans are externally checked and carried out subject to a credit check.
On occasion, Deko - the finance company which handles your application - may reach out for some more information if necessary, but this is rare.
You have a few options here; simply select the repayment length most suited to you. Your available options are 6, 10, 12, 18, 24, 36 or 48 months.
Shorter-term plans (anything up to 24 months) are completely interest-free and will simply divide your treatment total into even monthly repayments.
Longer-term plans, on the other hand, (i.e. those 36 months and up) will incur a small amount of interest - meaning you'll pay a little on top of your treatment cost. Interest on our finance plans of 36 months and up are fixed at 19.9% APR.
In order to be eligible for finance, you will need to:
|- Be at least 18 years old|
|- Be 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|
|- 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)|
|- 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|
You are welcome to pay the outstanding balance on your treatment charge at any given time. Simply reach out to us, and we can talk you through this process.
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 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 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. For any other questions, you cancontact us on telephone or email.
Being declined for personal finance certainly doesn't mean that you cannot proceed with treatment.
If, individually, you fail to meet any of the credit requirements you are more than welcome to have someone apply on your behalf. In fact, we frequently have spouses, parents, siblings - even friends apply in a patient's place. Where there's a will, there's a way.
Your application will be assessed based on eligibility, credit history and affordability with Deko advising you of the outcome via email. It’s important to know that when applying for finance a hard credit check is made which will be recorded on your credit file.
If approved for finance, Deko will let you know who your lender is and provide you with their full contact details and information. You then just need to digitally sign your credit agreement, pay your deposit - if you have not yet already done so.
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.
SKIN@HARLEYSTREET LLP is authorised and regulated by the Financial Conduct Authority, register number 676787 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 (register number 720279).
Deko is a trading name of Pay4Later Ltd which acts as a credit broker and not a lender. 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 visit the Deko website.
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