Finance Packages



Thinking of choosing finance?

Tackle Fanatics offer a fantastic selection of finance packages which are a great way to help you spread the cost of your next tackle purchase.

Orders over £300 qualify and you aren’t restricted on the items you can buy; whether you are purchasing a new set of rods and reels, or simply want to top up your tackle box, Tackle Fanatics gives you the option to spread the cost over 12 or 24 months.

All our finance packages can be applied for online in just a few minutes, with a decision normally given in a matter of seconds – it’s as simple as that!

For full details how to apply, along with a step-by-step guide, just click ‘play’ on Tackle Fanatics’ finance video below.

*Tackle Fanatics finance packages are currently only available to mainland UK customers.

Examples of the finance options available

Waverunner Shuttle Bait Boat (£359.99)

12 Month Low Rate Credit (9.9%) 24 Months Classic Credit (19.5%)
Deposit % 10% 10%
Deposit £36 £36
Monthly Payment £28.41 £16.17
Loan Amount £323.99 £323.99
Loan Repayment £340.86 £388.00
Cost of Loan £16.87 £64.01
Total Payable £376.86 £424.00
Number of Payments 12 24

Angling Technics Microcat Mk3 + Fulcrum (£1,275.00)

12 Month Low Rate Credit (9.9%) 12 Month Interest Free Credit (0%) 24 Months Classic Credit (19.5%)
Deposit % 10% 10% 30%
Deposit £127.50 £382.50 £127.50
Monthly Payment £100.60 £74.37 £57.26
Loan Amount £1,147.50 £892.50 £1,147.50
Loan Repayment £1,207.26 £892.50 £1,374.21
Cost of Loan £59.76 £0.00 £226.71
Total Payable £1,334.76 £1,275.00 £1,501.71
Number of Payments 12 12 24

Finance Decision

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. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide with their full contact details. 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.

Deko (formerly Pay4Later)

Deko

Deko is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Deko act as a credit broker and not a lender. Deko can introduce you to a limited number of finance providers.

Close Brothers Retail Finance

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.

Close Brothers Retail Finance is a trading style of Close Brothers Limited — a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

We may pay brokers some consideration if they introduce business to us.

Tackle Fanatics (a division of Flexwork Ltd) works exclusively with the Close Brothers Retail Finance as lender.

Flexwork Ltd
Unit E5 Barwell Business Park
Chessington
KT9 2NY

Finance FAQs

How long does it take to apply online?

Our online application form typically takes a few minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can't give you an instant decision you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

Check your eligibility

You will normally only be considered for finance if you:

  • Are at least 18 years old
  • Are in regular full or part-time employment (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, CCJs, IVAs or bankruptcies
  • Provide an email address so you can receive your documentation

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.

Can I cancel my credit agreement if I change my mind?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Close Brothers Retail Finance
Dee House
St Davids Park
Flintshire
CH5 3XF

Telephone: 0844 880 6542
Email: CBRFservice@closebrothers.com

Will the finance company perform a credit check?

Yes. A credit check forms part of the automated decision making process.

Can I pay my agreement off early?

You have the right to repay all or part of the credit early at any time – you should contact Close Brothers Retail Finance for details by phone, e-mail or letter at the following;

Close Brothers Retail Finance
Dee House
St Davids Park
Flintshire
CH5 3XF

Telephone: 0844 880 6542
Email: CBRFservice@closebrothers.com

Are there any other charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Close Brothers Retail Finance may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

The legal bit

Tackle Fanatics is authorised and regulated by the Financial Conduct Authority, register number 648541. Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. 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/faq or visit www.dekopay.com.

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