Our simple buy now pay later finance option allows you to spread the cost of your purchase over 36 months with an agreed deferral period of 12 months. This means you buy now and only start repayments 12 months after signing your finance agreement (T&Cs Apply) [19.9% APR].
If you pay off the balance of your agreement within the 12-month deferral period, you do not pay any interest though a one-off early settlement fee of £29.00 will be charged if you choose to settle your balance within the first 12 months. If you have not settled the remaining balance during the first 12 months, your monthly payments will continue for 36 months and the total paid will include interest of 19.9% APR.
Use our payment calculator (below) to see example costs.
Spend £300 and over to be eligible for Buy Now, Pay Later
Buy Now Pay Later
on basket £300 and over
- Spread the cost from 12 months up to 3 years after the deferred period - you choose the term
- 19.9% interest on terms of 12, 24 & 36 months
- Up to 12 months deferred period
- £29 early settlement fee (if you decide to pay off the balance within the deferred period)
See how it works.
Shop now. Buy now pay later with Novuna.
FAQ.
You will only receive an email if the address entered matches that on your account, please check your junk folder too. If the email isn't in there and hasn't arrived after 20 minutes, please get in touch.
If you’re struggling to find your agreement number, it is noted near the top of some of the correspondence you've received from us about your agreement, such as your welcome email or an annual statement. Additionally, if you have a direct debit set up your agreement number is shown in your direct debit reference on your bank statement.
Yes. Simply log into your account and select 'Make a Payment' from the menu list then enter the amount you would like to pay.
Payments higher than your monthly repayment will be deducted from the outstanding balance without affecting your monthly payment. Amounts less than your monthly repayment will reduce your next Direct Debit.
You can view your remaining balance and when your final payment is due by logging into your account.
We will take your scheduled payment through Direct Debit on or around your due date each month until your agreement is completed. Once we have taken your final payment, we will stop requesting the Direct Debit.
Yes, you can make payments, send secure messages, check your balance, change your monthly payment due date and much more. You can download the app via App Store or Google Play. Alternatively, you can login via a browser.
You can update your details including your due date online or via the app by logging in and selecting ‘change Direct Debit’ from the options.
If, at the time of your Direct Debit is in the process of taking your next payment, it will not be possible to update your Direct Debit details straight away.
Please note: We cannot accept a Direct Debit Instruction from a company bank account
We understand circumstances can change and once we know more about your personal and financial situation, we can look at other options available to you.
We may also need additional information about your situation to ensure the most suitable arrangement is put in place.
If you feel as though you need further support, there are plenty of debt charities and not-for-profit organisations who will be able to provide financial advice such as the ones listed below:
- StepChange Debt Charity
- National Debtline
- Citizens Advice Bureau
- Money Advice Service
You can sign your loan agreement online using our e-signature service, this is a fast and simple way of signing your agreement and enables us to get the funds to you as quickly as possible.
If you have not signed your agreement within 30 days, your loan offer will expire, and another application will need to be submitted.
Yes, you have 14 days to withdraw the agreement. If you don’t wish to continue, please call our Customer Service Team on 0344 375 5500 within this time period or we'll assume you're happy with everything and you will be bound by the terms of your loan.
You can get a settlement quote online or via the app. Select ‘Settle agreement’ from the list of options in the menu. This will show your current settlement figure and you can also make a settlement payment on this page.
Please be aware of fraud and scammers. Novuna Personal Finance have recently been made aware of scammers potentially using our brand to commit loan fee fraud, asking for an upfront payment before any finance is released.
We never request any upfront payments from any customers at any stage. If you are asked by someone purporting to be from Novuna Personal Finance to make an advance payment, please DO NOT do so and please do not provide any personal bank account or card details.