• Apply for Finance online
  • Your application is processed instantly
  • No forms to sign
  • Repayments start 1 month after you book your course

Finance services with Able Skills provided by DEKO

Able Skills is regulated by the Financial Conduct Authority (FCA) and has teamed up with DEKO to offer you alternative payment methods for courses which we provide.

Finance is available for the majority of our qualification courses and is offered at rates starting from 9.9% APR - you can choose to spread the payments over a period of 1 to 4 years.

If you are interested in paying for your course with finance we will send you a link from which you can make your application online and then get an instant decision. Once you have been approved simply pay your deposit for your course and we will send out all of your confirmation details and joining instructions.

Representative Example

Cost of Course:   £2,995.00

Deposit:   You can determine the amount of deposit between 10% and 50% of the course fees

Deposit @ 10% = £299.50

Total Amount of Credit:  £2,695.50

24 Monthly Payments of:  £123.74

Total Repayable (including deposit):   £3,269.21

Duration of Agreement: 24 Months

Interest rate (fixed): 9.5%

APR (representative): 9.9%


These loans are quite affordable and with all repayment details provided at the time of application, can help you plan your finances really very well.

Call Able Skills team on 01322 280202 to start your application or to simply see what repayment plans can be offered.

Please note that these finance options are only available through the website or over the phone and are not available in centre.

Able Skills acts as a credit intermediary and only offers credit products for DEKOLtd via Omni Capital Finance. Credit provided subject to age and status.

Will I be eligible for finance?

Once you have filled in your on line finance application, the details will be assessed and you will receive an instant approval or refusal of credit. Occasionally, orders will be held for manual assessment but in this instance you can expect to be notified by email of the credit decision within a few working hours.

All loans are subject to status. You must be at least 18 years old and a permanent resident in the UK. Customers from outside the UK cannot apply for finance for Able Skills courses.

How do I make my repayments?

Monthly repayments are taken by direct debit. Your finance agreement starts from when you receive your confirmation details (usually when you book the course) and you don't start repaying your loan until a month after this date.

Cooling Off Period

In line with distance-selling regulations, you have 14 days from the date you sign your agreement to change your mind about the loan. If you simply wish to change your mind about the loan but still attend your course, you must contact Able Skills and pay for your course in full using an alternative method. Please bear in mind that if you are not accepted for credit finance, you do have the option at Able Skills to pay as you train – interest free. Once the new payment has been verified, Able Skills will cancel your credit agreement and DEKO will return your original deposit.

It is sometimes possible to change the term of the loan if you wish. Again please speak to us and we will see what we can do.

About DEKO

Founded in 2008, DEKO is the UK’s fastest growing provider of point of sale consumer finance.

Designed from the ground up around a paperless e-signature process, DEKO redefines point of sale consumer finance for the digital age. Customers get an instant decision and can sign their credit agreement on screen, no paper forms, no waiting and no hassle.

DEKO works with reputable, established finance companies including Omni Capital Retail Finance Ltd, Shawbrook Bank and Logical Finance to offer secure and convenient online finance.

Further Information

Consumer credit service provided by DEKO, in association with Omni Capital Retail Finance

DEKO is licensed by The Office of Fair Trading (Consumer Credit Licence: 0616240). For more information please refer to our frequently asked questions www.dekopay.com/support or visit www.dekopay.com

Omni Capital Retail Finance is authorised and regulated by the Financial Conduct Authority, licensed by the Office of Fair Trading and a member of the Finance & Leasing Association. For more information please visit www.omnicapitalretailfinance.co.uk

Further Information

You can make an application for finance against a variety of the courses on offer at Able Skills including:

  • C&G Plastering
  • C&G Plumbing
  • C&G Bricklaying
  • C&G Tiling
  • C&G Carpentry
  • C&G Electrical
  • C&G Painting & Decorating
  • Bpec Gas Training Packages
  • C&G MultiSkills

If you do not see a DEKO logo on the course you have chosen, please call to discuss.