FAQs When Applying For DJ Equipment Finance |

Will I qualify for credit?

 We can only consider your application if:

  • You are 18 or over, and employed at least 16 hours per week
  • You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years
  • X Applications from students (unless employed at least 16 hours per week), unemployed and single house persons will not be considered


DJ Equipment Finance FAQ's

Our Finance is hassle free DJ finance for DJ and music production equipment. We are officially registered with the FCA (FRN676089) to offer consumer credit for DJ Equipment and we provide this service in partnership with DEKO.

Finance on DJ & Production Gear is available on orders over £280.

How long does it take to apply online?

The online application form typically takes less than 3 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 they can't give you an instant decision, an email will be sent to you the moment the finance company makes a decision.

Can I have my goods delivered to a different address?

No you have to have it delivered to your registered application address as proof of your identity.


When will I receive my goods?

Upon receipt of your deposit payment, djkit® will be authorised to proceed with your order. It will be delivered within two business days, unless stated otherwise on the product availability. Should there be any problems with your order, djkit® will contact you, please make sure you provide a valid email address and phone number.

Will the finance company perform a credit check?

Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

Do I need a bank account?

Yes. You must have a UK bank account capable of accepting Direct Debits.

Do I need to pay a deposit?

Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary and on the credit agreement itself.

Is it safe to apply on line? Will my details be secure?

Yes. It is extremely safe to apply on-line. Your personal information is encrypted before transmission to ensure it cannot be viewed by any unauthorised third party. The DEKO  gateway uses proven techniques to ensure the security and integrity of sensitive data. DEKO public web servers are certified by Thawte, a leading Certificate Authority, ensuring that both the consumer and the retailer can have confidence that nobody can impersonate DEKO to obtain confidential information. Data storage on DEKO and the communication between DEKO and our partner lenders, is regularly audited to the highest standards to ensure a secure transaction environment. This includes specific regular third-party testing for vulnerabilities and reviews of application security and access control procedures.

What personal information do you need?

We require personal details like your name, address, phone numbers and income. Plus your bank account and credit or debit card details. We need this information so we can be sure who's applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.

Do I have to provide ID?

Please note that for security measures we may require a proof of ID after your application has been approved and your deposit has been paid. This step is to verify your transaction, and a check will be done on any ID provided. If your ID fails the check or you are unable to provide a valid proof of ID the retailer will be in contact regarding. Should you need to provide ID you will be notified via email from DEKO. Is the application confidential? Yes. Your credit application is treated in the strictest confidence. We will not contact your employers, bank or any other third party.

Who provides your finance services?

Finance is provided through DEKO which offers a suite of products offered by Pay4later Ltd T/A DEKO, a company authorised by the Financial Conduct Authority.

Customers are able to contact DEKO if they wish to speak about their loans on telephone 0800 294 5891 or e-mail [email protected] or read answers to their most Frequently Asked Questions here:


Consumer Finance Complaints procedure

In the event of you being unhappy with any of our products or the service you have received from us in conjunction to your Consumer Retail Finance application, please use our complaints procedure detailed below to understand how to make a complaint to ESP Music Disco Ltd T/A During the procedure it may be necessary for our team to discuss the complaint with our consumer finance provider, we will notify you if and when this may take place.

*Please note this procedure is only for any complaints in conjunction to a Consumer finance application. Any complaints recieved that are not in conjunction with a consumer finance application will not be covered by this procedure.*

Full details can be found here:




©ESP Music Disco Ltd. djkit® is a registered trademark of ESP Music Disco Ltd.
Unit B1 Shannon House, Hambridge Road, Newbury, Berkshire, RG14 5SS • 01635 780002 • [email protected]

ESP Music Disco Limited trading as is acting as a credit broker offering finance products from Omni Capital Retail Finance Limited. ESP Music Disco Limited is authorised and regulated by the Financial Conduct Authority, registration number FRN676089. Credit is subject to status.
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