Thinking of choosing finance?

At Kettle Tap we've made it simple to spread the cost of your hydration solution, interest-free over a length of time that suits you.

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 the loan application quickly and entirely online.

The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!

Example of our finance calculator as displayed on our product page

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 £5,000 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.

Flexible finance options to suit you

A simple finance calculator is displayed on selected products with a value over £250.

Using the calculator, you can customise your deposit amount from 10% to 50% depending on the total value in your basket.

Once your deposit amount has been selected, you can then choose a finance term to suit your requirements.

We offer 6, 9, 10 & 12, month plans. Every time your deposit or length of term is edited, your repayment figure will update.

How long does the finance application take?

Once you have completed the online application, it will be submitted to the lender for review. They will make a decision to either accept or decline your application and you will be updated every step of the way.

You can proceed to pay via finance by selecting DekoPay as your payment method. The application takes no more than a few minutes to complete and works great on PC, mobile or tablet devices.

After being approved, when can I expect to receive my goods?

After acceptance of your application, check your inbox for an email from DekoPay with instructions on how to pay your deposit (please check your junk inbox if you have not received it after a few minutes of being accepted).

As soon as the deposit is paid and you've e-signed the credit agreement, we will be notified to dispatch your goods immediately.

Your order can be completed in as few as 10 minutes, so if verified before 12pm, we can dispatch your goods the same day in time for delivery the following day.

How are payments collected?

You can pay your deposit easily and securely via credit or debit card.

Monthly re-payments thereafter are collected monthly by direct debit. They usually begin 30 days after you have finished your application and received your goods.

Can finance be paid off early?

Yes, you can pay any remaining finance off in one settlement whilst avoiding any settlement fees. Please contact DekoPay if you wish to do this.

Can I send my goods to a different delivery address to the one on the application?

It is a regulation of the finance provider that all goods are to be signed for at the billing address on your credit application form, so it is not possible to send finance orders to a work address.

Consumer credit Licencing

Consumer credit service is provided by DEKO which is a trading name for Pay4Later Ltd. Pay4Later who are authorised and regulated by the Financial Conduct Authority (Interim Permission Number: 0616240). Registered offices are at 33 St Mary Axe, London EC3A 8AG. For more information please refer to or visit 

Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.