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Novuna Finance

Voted one of the best finance providers in the UK by our customers and industry, Novuna is one of the UK’s leading financial services companies. Novuna is the trading style for Mitsubishi HC Capital UK PLC, the new name for Hitachi Capital (UK) PLC.
Why not spread the cost of your purchase over several months with one of our fantastic financing options? Our financing options are available for purchases of £375 and above and only require a 10% minimum deposit. We offer an "Interest-Free Credit" option for up to 18 months at 0% APR OR a "Buy Now, Pay Later" plan with 12 months Interest-free deferral period.
Find out more about our finance options by clicking on the headings below.

Frequently asked questions

How much do I need to spend to be eligible for finance?

Your total order value must be £375 or over.

Do you offer interest-free finance options?

There are no hidden costs or arrangement fees with our Interest-Free Credit option of up to 18 months and you will not pay a penny more at 0% interest. With our Buy Now Pay Later option, no interest will be charged if the purchase is paid off within 12 months; in this case, only a settlement fee of £29.00 will apply.

Do I need to pay a deposit?

Yes, you will need to pay a deposit of 10 to 50% of the order value for either of these finance options. The deposit will only be deducted once your application has been accepted.

Will there be a credit search?

Yes, Novuna Consumer Finance performs a full credit search on all finance applications.

Will shopping on finance affect my credit score?

Shopping on finance may affect your overall credit rating. You can check with credit reporting agencies if you have any queries about your credit score before placing an order with us.

What happens if my finance application is declined?

You will still have the option to complete your order with a credit or debit card, PayPal or bank transfer.

When do I start making payments?

You will start making payments approximately 30 days after receiving your order. Novuna Consumer Finance will notify you when it’s time to make the payment each month.

What if I want to return the products?

In the event of a return, all payments will be refunded via the original payment method used when placing your order.

You can return an item for any reason, as long as you let us know within 30 days of receipt and the item is still in its original condition. Where possible, please return items in their original packaging. If you wish to return your item please see our returns page.

How can I contact Novuna Consumer Finance about my finance?

To speak to the "Novena Consumer Finance" customer support team via live chat or telephone. Click the link for more information on how you can connect with Novuna Consumer Finance

Can I pay off my agreement earlier and make additional payments within duration of the agreement?

With our "Interest-Free Credit" option of up to 18 months, you can make over-payments or pay off your agreement earlier without any charges. On the Buy Now Pay later option you can also make multiple payments or a one-off bulk payment within the initial 12 months deferral period to avoid any interest charges. After the 12-month deferral period, interest is calculated from the start of the agreement but will only be charged up to the period when the full payment is paid.

How long do I get to pay for my purchase?

The length of term available for Interest-Free Credit depend on your total order value, orders with a higher total value are eligible for more time to spread the cost.


Why Novuna

Putting the customer at the heart of everything we do defines the way we work together, helping millions of consumers and businesses achieve their ambitions every day. Novuna builds on four decades as one of the UK's most successful and trusted financial services providers under our former name, Hitachi Capital (UK) PLC. Novuna means New Together, which captures the essence of our business - our ability to anticipate and support customers through rapid change.

That's why we have been voted the Best Direct Personal Loans Provider by for the last eight years running as well as Best Personal Loans Lender in The Personal Finance Awards. We are also the only mainstream loan provider to provide full visibility of all our customer reviews from Feefo, updated in real-time, 24/7, with a consistent customer satisfaction score of 4.5/5* stars or higher.

And we are particularly proud of retaining our coveted Feefo Platinum Trusted Service Provider Award*, for three consecutive years. Based on real customer feedback, it recognizes businesses that go above and beyond to provide a consistently excellent customer experience year after year. Award Winner

Platinum Trusted Service Award

The Personal Finance Award

The Institute of Customer Service

Contact Centre & Customer Service Award


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