Payment & Security

You can use any of the payments listed below to pay for your order. 

  • Paypal
  • Visa / Visa Debit
  • Mastercard
  • Amazon Pay

We take your security seriously and you can confidently order knowing that your details are safe with us.

When you place an order with us we need to ask for information such as your name, phone number, email address, payment information and delivery address. This information is needed to process your order and to notify you of acceptance of the order. We do not share this information with any 3rd parties except for delivery purposes.

We are SSL certified to provide secure, encrypted communications between our website and your internet browser. SSL certificates are typically installed on pages that require end-users to submit sensitive information over the internet, like card details or passwords. 

How does Duologi Finance work?

Used responsibly, a loan 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. 

Deko is a credit broker, not a lender. Deko's secure technology helps put you in touch with lenders whose finance options are best suited for you and your purchase. As a customer of Electric Life, your finance application will be with Duologi. 

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. 

Am I eligible?

Before you apply, please note that you will only be considered for finance if you:

  • Are at least 18 years old
  • Are in regular full or part time employment (minimum 1 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in the receipt of disability living 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 Judgments or bankruptcies 

What payment plan options are available?

We offer a 6-,9- and 12-month 0% payment plan, with a minimum credit amount of £250 and a maximum of £15,000.

Representative example:

0% Finance over 12 months

  • Total order value = £800
  • 10% deposit = £80
  • Total amount of credit = £720
  • Duration = 12 months
  • 12 monthly payments of = £60
  • Interest rate (fixed) = 0%
  • Interest charged = £0
  • Total amount payable = £800
  • Cost of Credit = £0
  • 0% APR Representative

Paying with finance

It couldn't be easier to pay with finance, simply add the purchases* to your basket and select Deko at checkout. You'll then be taken to the application form, which  takes just a few minutes to complete. 

*Available on selected items only: Electric Scooters, Electric Bikes & Golf Trolleys

Will I be accepted for finance?

This depends on many different factors. Duologi have a dedicated credit team that uses their bespoke credit engine to help them reach decisions. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision. This will appear on your credit file and will be visible to other lenders if you apply for credit with them in the future.

In some cases, your application will be referred for further assessment. You may be asked to provide some more information to help Duologi make their decision. If this does happen, you will be told whether your application has been accepted as soon as the decision is made.

What happens if I have been declined?

If your application was declined, Duologi may be unable to give you specific reasons why. Duologi uses information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please feel free to contact Duologi via email at or call them on 0345 5211 881 Option 2.

You can also contact the Credit Reference Agencies if there is a mistake on your credit report:

Experian -

Equifax -

TransUnion -


Click here for further FAQs on Duologi Finance.


Finance Agreement

I have a question about my finance agreement, who should I contact?

Please contact Duologi's customer service team on 0345 5211 881 (option 2) or via email at

I want to change my Direct Debit details or update my personal details.

Changing your payment date can only be done after the first payment has been taken. Please contact Duologi's customer service team on 0345 5211 881 (option 2) or via email at to update your direct debit or personal details.

I'm having problems paying my deposit online.

Please contact Deko's customer support team at or by phone on 0800 294 5891.

When will I receive a copy of my loan agreement?

The Deko platform will present you with pre-contractual information and a copy of your credit agreement for you to digitally sign. Please take the time to check the details in these documents are correct and that you understand the amount of frequency of your payments before you sign. Once your deposit has been paid, a copy of your e-signed credit agreement will be emailed to you.

You can get a copy of your loan agreement by contacting

Payments and Order

How do I make my monthly payments?

Your payments will be taken by Direct Debit using the details you provide during your application. You can make addition payments by debit or credit card.

Can I request delivery to an address other than my home address?

In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to your home address. 

I want to amend my order.

Once you have been approved for finance, the amount or terms of your agreement cannot be amended. 

You will need to contact us (Electric Life) to amend the goods or services you ordered, and you may need to complete a new application for finance. 

Please note: Duologi cannot guarantee a new credit application will be approved. All credit applications will leave a credit 'footprint' on your credit history. 

I haven't received my goods.

Please contact Electric Life on or call on 0121 748 8008.

What shall I do if I can't make my payments?

If you're struggling to make your payments, please contact Duologi as soon as possible. They will work with you to come to a repayment solution that meets your needs and does not put you at risk of wider financial difficulties. Please contact Duologi's customer service team on 0345 5211 881 (option 2) or via email at

Cancellation and Returns

I want to return my goods and cancel my finance agreement.

You will have a 14-day cooling off period, during which you can cancel your finance agreement. 

To cancel your finance agreement, you will need to contact us (Electric Life) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Duologi to cancel your finance agreement and refund any payments that have been made.

If you have made an in-store application, we will refund any deposit payments that you made. 

Please note: in some cases and depending on the nature of the product or service you have purchased, you will not be able to return your goods. Our terms and conditions will explain the types of goods that cannot be returned. 

Please read our (Electric Life) Returns policy here

What happens to my loan if I want to return my order?

You have a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you choose to do this, please contact us (Electric Life) directly. We can cancel your application on your behalf and there is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Your lender will refund your deposit and let you know if you have any balance to repay. 

For any further questions please contact Electric Life on or call on 0121 48 8008


Unfortunately, things sometimes go wrong. If you have cause to complain about the service you've received from us, Deko or Duologi you can make a complaint either by phone or in writing. 

To complain about our goods or services, please contact us on or call on 0121 748 8008 and we will aim to resolve your complaint as quickly as possible.

If your complaint is about your finance agreement, you should contact Duologi:

Correspondence address is: The Square, Arena, Basing View, Basingstoke, RG21 4EB

Contact number for complaints: 0330 1188 938

E-mail address for complaints is:

Their complaints policy sets out all you need to know to help you raise your complaint with them. For further information please visit

Still have questions? 

For any questions related to Financing please contact Duologi Finance on 0345 5211 881 (option 2). Please visit Duologi for a full list of FAQs:

For any questions related to your Finance Application, please visit Deko for a list of FAQs: https;//


Tandem Group Trading Limited trading as Electric Life is acting as a credit broker, not a lender. Finance is provided through the Deko platform by Duologi, a trading name of Specialist Lending Limited. Specialist Lending Limited is authorised and regulated by the Financial Conduct Authority (register number 774712). 0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority. 

Deko is a trading name of Pay4Later Ltd which acts as a credit broker, not a lender and does not charge you for credit broking services. Pay4Later Limited is registered in England and Wales (company number 06447333) and is authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to or visit