Finance Options

Interest Free Credit

Available on selected products only, 
Our interest free credit facility is provided by Mitsubishi HC Capital UK PLC (Novuna). Depending on the product purchased, customers who meet the Novuna lending criteria qualify for either 18 months or 24 months interest free finance. The minimum amount that can be borrowed under the terms of the agreement is £250. A deposit will be required, and the balance of the purchase price financed, payable in equal monthly instalments by direct debit over the 18 or 24-month period. No interest is payable on the loan and there are no arrangement or early repayment fees.


 Buy Now Pay Later

Our Buy Now Pay Later facility is provided by Mitsubishi HC Capital UK PLC (Novuna). Agreements are 4 year interest bearing loans with a deferred period of up to 12 months during which no payments are due. Provided the customer clears the entirety of the balance within the deferred period then they will pay back only the loan amount plus an administration fee of £29.

At the end of the deferred period, if the loan has not be repaid in full then interest will apply at 16.9% APR (from the start of the agreement) to that part of the loan that is outstanding, although the administration fee will no longer apply. The loan is arranged in such a way that direct debit payments are due to commence at the end of the deferred period although the customer can make manual payments to Novuna during the deferred period in order to clear some or all of the loan.

The lender will electronically provide the customer will full terms and conditions. Within the first 14 days following the start of any agreement the customer may withdraw from the loan provided that they make full payment for any goods supplied via an alternative method.

Customers applying for finance will be required to provide valid proof of ID and address. Acceptance for finance is subject to the lender’s criteria.