Up to 18 Months Interest Free credit is available on all orders over £375, all you need to pay is a minimum 10% deposit – you can pay more if you wish. When buying online, simply follow the easy steps during Checkout.
As you progress through Checkout, if you select Buy Now Pay Later, we’ll ask you to confirm your deposit. After this you will enter your card details. Please note that once the finance application has been approved only then the deposit will be deducted or withdrawn from your account. You will then be taken to Hitachi Capital’s website to complete your credit application. Please note, your order will only be processed once your credit application has been accepted.
Up to 18 Months Interest Free credit is available on all orders over £375, all you need to pay is a minimum 10% deposit – you can pay more if you wish. When buying online, simply follow the easy steps during Checkout.
As you progress through Checkout, if you select Interest Free Finance Monthly payments, we’ll ask you to confirm your deposit and repayment period. After this you will enter your card details. Please note that once the finance application has been approved only then the deposit will be deducted or withdrawn from your account. You will then be taken to Hitachi Capital’s website to complete your credit application. Please note, your order will only be processed once your credit application has been accepted.
Our finance repayment period is subject to a Minimum Amount of Credit. The table below shows what minimum “Amount of Credit” is required for different repayment periods.
Repayment Period | Minimum Amount Of Credit |
---|---|
6 Months | £375 |
9 Months | £749 |
12 Months | £1199 |
18 Months | £1799 |
Your total order value must be £375 or over.
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.
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.
Yes, Novuna Consumer Finance performs a full credit search on all finance applications.
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.
You will still have the option to complete your order with a credit or debit card, PayPal or bank transfer.
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.
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.
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 https://www.novuna.co.uk/contact-us
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.
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.