Novuna Finance

Simply let a member of staff know that you would like to spread the cost of your purchase making sure you are over the minimum of £500.00

A minimum 10% deposit is required, after you place your order you'll then be asked to complete an application form, which takes around 5 minutes to complete.

Low Rate Credit

Available from 6 to 60 month terms. Spread the cost of your purchase with a low rate 14.9% fixed rate APR

Example of Novuna Interest bearing finance

24 months 14.9%APR representative of interest bearing finance

36 months 14.9%APR representative of interest bearing finance

The table below shows you how much the monthly repayments will be based on the total order value. To work out your own personalised payment plan please CLICK HERE for our Novuna repayments calculator.

Representative example 1:

Cash Price £2450.00
Deposit £245.00
Loan Amount £2205.00
24 monthly repayments of £105.84
Interest rate 14.9% per annum fixed
Total term of loan agreement 24 months
APR representative 14.9%
Total amount payable £2785.16
Total charge for credit £335.16

Representative example 2:

Cash Price £899.00
Deposit £90.00
Loan Amount £809.00
36 monthly repayments of £27.64
Interest rate 14.9% per annum fixed
Total term of loan agreement 36 months
APR representative 14.9%
Total amount payable £1085.04
Total charge for credit £186.04

Frequently Asked Questions

Alternatively please contact a member of staff for more details.

Payments will begin one month after the goods have been delivered.

Customers can change their payment date once they have received their welcome documents.

Yes, customers can make additional payments at any time free of charge.

Yes, please call our Customer Service team on 0344 375 5500 to discuss this in further detail.

The quickest and easiest way for customers to view their balance is by managing their account online. Customers can create an account or access a pre-existing account at https://my.novunapersonalfinance.co.uk/oss2/customer/

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however, the employment details of your spouse / partner will be required in order to process your application.

No. There are no arrangement fees or hidden extras.

Applying for finance couldn’t be easier or more convenient. When you buy from us you have the choice of using finance and our staff will talk you through what is needed to process an application.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then electronically sign the agreement or print.

Following receipt of your finance agreement and a few additional checks, your purchase can proceed.

All finance decisions will be made within seconds. Once you are approved, we will contact you (during working hours) to finalise your purchase. If you your application is referred Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.

Within minutes of your application being approved, you will be presented with the option to e-sign your agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms. A copy of your credit agreement will be emailed to you once the e-signature has been completed.

Once you have agreed to the terms of the finance agreement the retailer will be notified and you need do nothing more.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

Your credit score (please note that every finance company will score you differently)

Adverse credit reference agency information

You are considered to be overcommitted

You are aged under 18

Your existing account performance with other lenders

On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;

Phone: 0044 2837 552749

Email: [email protected]

Address: 92 Gosford Road, Markethill, Co Armagh, BT60 1RH

If your complaint relates to your finance agreement

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What to do if you can't reach an agreement

If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.

They can be contacted in the following ways:

Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR · Telephone: 0300 123 9 123 · E-mail: [email protected]