Work out now, pay later

Available on all purchases over £499 up to £15,000

10% Minimum deposit
12/24 Months
14.9% APR

Considering using finance to kit out your Mirafit gym?

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.

Finance by Deko

Simply add the items you love to your basket. Once you are at the checkout, select ‘Apply for finance’. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!

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 £6,000 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.

Our payment plan options

We offer two different finance options to suit your needs:

  • 12 months at 14.9% APR
  • 24 months at 14.9% APR

Finance Calculator

Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

I am looking to spend


10% 20% 30% 40% 50%

Finance Length

12months 24months

Your Finance Calculation*

Total Payable:

*This example finance calculation may differ slightly from your final finance terms at checkout

Paying with finance

Simply add the purchases to your basket and select ‘Apply For Finance’ at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.

1 Add products to your basketAdd products to your basket

2 Choose 'Apply for finance'Choose finance as your payment method

3 Complete the finance applicationComplete the application

4 Wait for your order to arriveWait for your order to arrive


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 you 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.

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.


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Please read our FAQ pages for more information on delivery & returns

For any other questions contact our customer services team on

Legal Information

Mirafit is owned by SDEG Ltd, which is authorised and regulated by the Financial Conduct Authority, register number 820149 and act as a credit broker and not a lender.

SDEG Ltd is a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (registered number 728646). For more information please go to or visit


Work out now, pay later - Pay with finance