Applying for Finance

Applying for finance with us couldn't be easier. Simply contact our sales team representatives on 0330 057 7142 between 9:00 and 17:30, or email us at with a contact number and time to call you back. In order to proceed with an application, the following criteria need to be met:

  • be 18 or older;
  • be in permanent paid employment or retired and receiving a pension, or be a houseperson with a partner in permanent paid employment or be self employed;
  • be a resident in the UK (or a British Crown Dependency if approved by Novuna) for a minimum of 12 months;
  • be able to provide acceptable proof of address (except where the goods and/or services are to be delivered to their residential address) and proof of signature;
  • make payments by direct debit; and
  • be purchasing the goods and/or services for personal use and not for business use.

Finance Options

£500+ Buy Now Pay Later

If your purchase is £500+ you can apply for either 6 Months, 9 Months and 12 Months Buy Now Pay Later with 0% APR Representative if settled in full within 12 months.
Should you make the full payment within the agreed term, the only cost will be a £29 settlement fee. If the full payment is not made within the agreed terms, the interest rate will become 16.9% on the remaining payable.

Please note - 20% Deposit is required on any purchase over £500 on buy now pay later finance.





Purchase value


Deposit 20%


Amount of loan


Agreement duration

48 months

APR representitive


Rate of interest


Monthly repayments

£26.03 (£55.03 on final month including settlement fee)

Administration fee


Total amount payable


*Monthly payments will commence 12 months from the date of supply (and, if applicable, installation) of the goods/services and will be payable on the same day in each subsequent month. We will tell you the due date of the first repayment. If you settle the outstanding balance before the first repayment is due then we will waive all interest charges making the APR 0% and just charge an administration fee of £29.00.

We also offer a Low Cost Finance option for purchases £300+ for up to 4 years

If your purchase is £300+ you can apply for Finance at 19.9% APR Representative.

Please note - 10% Deposit is required on any purchase £300 and above on low cost finance option.

Novuna Personal Finance is 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