Buy Now Pay Later

Buy Now Pay in 6 or 9 Months – we supply credit on behalf of Novuna Capital.

Applying for credit couldn’t be easier or more convenient. Available on most products online, minimum order value of £300.
A minimum 10% Deposit is required at checkout.
Nothing else to pay for 6 or 9 months.
No interest payable if settled in full within the agreed period months
£29.00 Settlement Fee paid direct to Finance Company (Novuna Capital)

Just select the ‘Buy Now Pay Later’ option as the ‘Payment Method’ on the ‘Shopping Basket’ page.
Complete all parts of the credit application form and once you have been accepted you will receive a contract by email for you to sign and date.

It really is that simple.

Typical example for 6 months option : Cash price £999. You pay a 10% deposit (£100) leaving a balance of £899 plus £29 settlement fee = £928.00. Total payable £1028.00 with no interest added.

If you do not settle in the 6th month you must typically pay 48 monthly payments of £27.09. Total payable £1 300.32 @ 16.9% APR.

Payment options:

  1. Pay nothing during the deferred period of 6 months and then pay the amount borrowed in one lump sum plus the settlement fee of £29 before the anniversary date. This means that there will be no charges or interest payments.
  2. Pay any amount you like; as little or often as you like during the deferred period of 6 months by either credit, debit card or bank transfer, without incurring any penalties. As long as you ensure the amount you borrowed plus settlement is paid off before the end of the deferred period there will be no charges or interest to pay.
  3. Pay nothing for the deferred period of 6 months and then pay over 48 equal monthly instalments at 16.9% APR.

In order to apply for credit you must satisfy the following :

a. Be at least 18 and under 85 years of age.

b. Be either: in full time employment (e.g. 16 hours, or more, per week) or self-employed, a full time student or retired and over 18 years of age or in receipt of an invalidity or disability allowance.

c. You must be a UK resident for 3 years or more or provide a previous address if you have not lived at your current address for at least 3 years.

d. Have the ability to make repayments by direct debit.

Credit is subject to status and written quotations are available upon request. Terms & Conditions apply.