Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and then choose Deko. 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 £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.

We offer a range of interest bearing finance options to help you spread the cost of your purchase over 12, 24 or 36 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods. 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. You can view the finance calculator, even before deciding to go ahead with a finance application.

A representative example would be:

Paying with finance

It’s a quick process! Simply select your chosen course(s) and add these to your basket. Once you have finished selecting courses, select the ‘Apply for a Payment Plan’ option. You’ll then be taken to the finance payment calculator allowing you to see a breakdown of the finance options being considered. Once you choose to go ahead, you’ll be prompted to complete a short finance request form, which takes just a few minutes to complete. If you have any questions or need any guidance regarding the finance or application process, simply give our team a call on Freephone 0800 999 2277 or submit an online enquiry through this page.

Once we receive your finance request form, our team will be in touch by phone on the same working day to check your details and see if you have any further questions. If you decide to go ahead to make a finance application, our team will email over a link to apply for the finance online directly through Deko. Once you have completed the online application, you will receive an instant decision based on the information given and subject to status. If accepted, you pay your deposit straightaway directly to Deko as prompted and our team will then be in touch on the next working day to confirm your training dates with you and finalise your course enrolment. Should you be unsuccessful, our team will give you a call to discuss other options with you.

Repaying the loan

Your first direct debit payment will be taken about a month after you commence your course (begin accessing your online course materials and/or attend a training day as applicable). 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 directly at You must request your cancellation in writing (by email) before commencing any part of your training course (online through our portal or before attendance of training is due or completed). We can cancel the application on your behalf. There is no need to contact Deko or your lender. 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. A payment plan does not affect your statutory rights. More information can be found within our full terms and conditions.

For any other questions contact us on Freephone 0800 999 2277, submit an enquiry through our website or email

The legal bit

The Beauty Academy Limited, a company registered in England and Wales (company number 04176214) is authorised and regulated by the Financial Conduct Authority, register number 627016 and act as a credit intermediary. Finance is provided through the Deko platform by a number of lenders including Omni Capital. 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 or visit

  • Established 1990: the Original Private Beauty Training School

    I made a last minute decision to attend the ‘dry manicure and gel polish’ course and so glad I did! The tutor (Donnamarie) was so passionate and inspiring that she gave me the confidence I needed. Everything was well explained and the group was small enough get the best out of the day.

    Gemma Hacker

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  • Established 1990: the Original Private Beauty Training School

    Brilliant course. Tutor Leanne was so helpful and friendly and made me feel totally at ease. I was nervous as I have never done any beauty training before and she put me at ease straight away. Brilliant service and I will one hundred percent be using again. Thank you very much!!

    Ellie Hood

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  • Established 1990: the Original Private Beauty Training School

    I’ve obtained multiple qualifications with The Beauty Academy over the years. It has improved my skills and I have gained confidence. The training is thorough and the course works around you, the tutors are all great! I will definitely book another course to keep up with the beauty industry.

    Sabine St Hilaire

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Our expert team of tutors based across our 10 Training Schools are all qualified to the highest levels, with years of industry experience and all friendly and excited to welcome all our fantastic students