Teng Van

Thomas Graham have recently embarked on a new venture supported by Teng Tools. We travel round different sites offering tools throughout the county to customers at their workplace.


The van will primarily operate throughout Carlisle, South West Scotland and West Cumbria, it will also include the Penrith area.


You will have two finance facilities available, firstly Thomas Graham will offer finance facilities up to £300 to any customer who is in permanent employment and over the age of 18. The outstanding value of the order must be repaid in no more than 12 instalments and not over 12 months. If you owe over £100 you will repay the outstanding debt at £40 every two weeks, if you owe less than £100 then you will repay at £20 every two weeks. Please see example below:

Balance - £300

  • Payment week 2 = £40 (£260)
  • Payment week 4 = £40 (£220)
  • Payment week 6 = £40 (£180)
  • Payment week 8 = £40 (£140)
  • Payment week 10 = £40 (£100)
  • Payment week 12 = £20 (£80)
  • Payment week 14 = £20 (£60)
  • Payment week 16 = £20 (£40)
  • Payment week 18 = £20 (£20)
  • Payment week 20 = £20 (£0)

Total 10 payments

For each purchase, you will be entered into a new finance agreement, each agreement must follow the no more than 12 repayments and within 12 months rule.

The second option is for goods with a required finance value over £300, Thomas Graham have been approved as an authorised credit broker by the Financial Conduct Authority (FCA) through a company called Deko. You will receive a decision within a minute as to whether you have been approved for finance for goods up to the amount of £25,000.

Check your eligibility

You will only be considered for finance if:

  • 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

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.

Teng 1

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 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 will refund your deposit upon return of supplied goods.


For any further details or to book an appointment please call Mike Sadler on the number below:

Tel: 07768 021165

Email: mike.sadler@thomas-graham.co.uk


Thomas Graham 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).

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