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0% Finance

Interest Free credit options at Boardshop.

Boardshop are pleased to offer 0% finance on any purchase over £400

Spreading the cost of your purchase has never been easier with Boardshop.co.uk. You can select 6 or 10 month finance, to spread the cost of orders over £400. Even better if you select 6 or 10 months you pay NO interest.  

  • 6 Month Repayment - 0% APR / 10% deposit required

  • 10 month Repayment - 0% APR / 10% deposit required 

Let us know what you’d like to buy on finance and we’ll give you a breakdown of the costs and an overview of how the application process works.

Apply Now

 Or call us on 01243 674250

Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!

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 £6,000 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

Our payment plan options

We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 or 10 months. The value of the loan needs to be over £400 and below £10,000 and you can choose a deposit of up to 50% of the value of the goods.

Finance decision

Your application will be assessed based on eligibility, credit history and affordability with Deko advising you of the outcome in just a few seconds (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 and wait for your order to arrive.

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.

Repaying the loan

Your first direct debit payment will be taken about a month 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.


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.


For any other questions contact us on telephone or email.

Legal Information

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 act 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 go to www.dekopay.com/support or visit www.dekopay.com.

Hardcloud Ltd trading as Boardshop.co.uk is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279). Credit is subject to status.

  • Finance is available on all items over £400 and below £10,000. Any finance offered is subject to status. Applicants are required to be at least 18 years of age, employed and a UK resident for the last 3 years to qualify.

  • We will allocate stock to you once the application has been complete and a deposit has been received.

  • Please allow up to 24 hours (longer if ordered outside of working office hours) for us to approve your finance application. Our office hours are Monday to Friday 9am - 5pm.

  • Finance orders can only be shipped to your billing address, we cannot ship your purchase to a different address.

  • Finance orders can apply to Pre Order items but you need to contact us first.

  • Surfboards purchased on finance are not covered by our 30 day ride out guarantee.

  • Voucher codes or Loyalty scheme membership discount cannot be used in conjunction with credit, but any purchase made with credit will qualify for loyalty scheme discount on any future non credit purchases.

  • All orders for surfboards placed using 0% finance are subject to a delivery fee, the fee is typically £9.99 for UK deliveries but exceptions apply, please see delivery page for details.

  • Specific products at a reduced price may not be eligible to be bought on finance

  • You have a 14 day cooling off period with all finance orders. If you decide you no longer wish to take out finance, you must notify us and you can then return the products to us with a written letter explaining that you would like to cancel. All return postage costs are at your expense and the return time is strictly 14 days. Please consider this before taking out finance.

  • We reserve the right to withdraw finance on any products at any time. All credit applications and agreements are provided by Omni Finance therefore once you agree to the finance terms & conditions and you take delivery of your order, any further finance correspondence will be dealt with Omni Finance. Any warranty issues will be covered by Hardcloud Ltd trading as Boardshop.co.uk.

  • If you have any questions, please don't hesitate to contact us on +44 (0)1243 674250 or email us info@boardshop.co.uk

Apply Now