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.
Our Buy Now Pay Later Finance option allows you to spread the cost of your purchase over
Months commencing after a
Month deferral period. You may repay the amount of credit within
Months deferral period without incurring any Interest Charges.
A settlement fees of up to £29 will Apply. Which means you will only pay the amount you have borrowed Plus £29 Admin Fees.
Interest Charges apply only if you do not pay within
Months deferral period.
Allows you to spread the cost of your purchase over maxium of
Months with monthly payments via direct debit.
Repayment remain totally interest free.
No hidden charges or Interests. We offer contacts of 6, 9, 12 & 18 Months depending on the amount of credit you are borrowing.
Contracts starts on a minimum purchase of £375.
It's free and easy
Our interest free credit
Our Buy Now Pay Later
calculator gives you an example of your options, just pop in your
total order value to calculate your repayment schedule.
Repayment remains totally interest free. The price you see is always the price you pay.
Add your total here
Choose your deposit amount
Choose Repayment Period
The length of the repayment period is set according to Amount of Spend
Total Cash Price
Amount of credit
Monthly payments of
Total Charge For Credit
Total amount Payable
consecutive payments of
*If paid within 12 Months no interest charges will apply only an administration fee of £29.00
How to apply online
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.
How to apply online
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.
Minimum Amount Of Credit
The duration of the agreement is 60 months. Under the agreement, you will pay 48 consecutive monthly payments of the amount payable per month commencing 12 months after the date of supply of goods/services.
12 Months Deferral period means, If by the deferred First Payment Date you have paid to us the amount of Credit in Full, you will not have to pay any interest but you will have to pay administration fees of up to £29. Any partial payments made before the deferred first payment date will be charged at 0% Interest.
Interest Charges: Interest Rate 13.5% per annum, APR 19.9%. The interest and APR are calculated on the assumption that you will make each monthly payment on its due date. Interest at the above interest rate has been calculated in advance on the amount of credit and applied from the date of supply of the goods/services.
To apply for finance, you must be 18 years of age or over, in full part-time employment, retired, or in receipt of an allowance. If unemployed and a “House person” they can apply for the finance providing they have a cohabiting who can provide employment details. Your application must be in your name only & delivery must be to your registered address. We cannot deliver to an alternative address.
We can only reserve your items once your finance application has been approved and your deposit paid.
*19.9% APR Representative example: Cash price £1500. Deposit (10%) £150. 48 monthly payments of £47.08 at an APR of 19.9%. Total Charge for credit £909.84. Total Amount of Credit £1350. Total Amount payable 2409.84. If paid before the deferred First Payment Date Total amount payable will be £1350 + £29 Admin Fees. Subject to status. Written quotation upon request.
AH. Interior (Nelson) ltd (Company N.O 07485448) is a credit broker, not a lender authorized and regulated by the Financial Conduct Authority. The credit advertised is provided by an external credit provider Novuna is a trading style of Mitsubishi HC Capital UK PLC, authorized and regulated by the Financial Conduct Authority Registered in Cardiff no.1630491. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey TW18 3HP.
To apply for finance, you must be 18 years of age or over, in full part-time employment, retired
or in receipt of an allowance. If unemployed and a “House person” they can apply for the finance
providing they have a cohabiting who can provide employment details. Your application must be
in your name only & delivery must be to your registered address. We cannot deliver to an alternative address
We can only reserve your items once your finance application has been approved and deposit paid.
Your monthly repayments will begin around four weeks after your purchase has been delivered or collected.
The length of the term available will correlate with your total order value, meaning larger purchases come
with more time to spread the cost.
*0% APR Representative example: Cash price £1500. Deposit (10%) £150. Total Amount of Credit £1350.
12 monthly payments of £112.50. Subject to status. Written quotation upon request.
AH Interior (Nelson) ltd (Company N.O 07485448) are a credit broker, not a lender authorised and
regulated by the Financial Conduct Authority. The credit advertised is provided by an external credit
provider Hitachi Capital plc and is regulated by FCA.
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 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.
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.
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 YourMoney.com 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.