Buy Now Pay Later, also known as BNPL is an interest bearing loan that allows you to defer your payments for 12 months. If the balance is not paid in full within the 12 months a 19.9% APR Interest Rate is applied to the balance. An admin fee of £29 applies.

Interest Free Credit allows you to make equal monthly interest free repayments, over the months stated above.

Interest Bearing Credit allows you to make equal monthly repayments at 12.9% APR, over the months stated above.

Once you have chosen your furniture you will be asked to complete a credit application by Novuna Personal Finance with one of our staff members, you will be asked personal questions such as Name, Address, Employment, Bank Details etc. The application process takes around 15 minutes, most credit decisions are given immediately but some may be delayed due to further information being required. An e-signature will be required on all successful applications. Alternatively, we can send a link to your personal email to fill out your application at home.

If there is anything at all you want to ask us about Interest Free credit, please don’t hesitate to call us on 01450 372248 then select option 1.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk