Buy Now – Pay Later Finance 
 

Did you know that you can purchase any item over £200 without even leaving a deposit by spreading the cost over our 6 Months ‘Buy Now – Pay Later’ finance deal with Novuna Consumer Finance?

 

And even better, if you pay the balance in full before the end of the 6 months then there is no interest to pay whatsoever, just a one-off settlement fee of £29!

Pay On Finance

For your convenience we will send you an application link via email for you to apply for our finance option.

Buy now pay later with payments deferred for up to 6 months

Spread the cost with our buy now pay later finance available online.

Our simple buy now pay later finance option allows you to spread the cost of your purchase over 48 months with an agreed deferral period of 6 months.

Repayments start up to 6 months after signing your finance agreement.

Settle your agreement within the agreed deferral period and all you pay is an early settlement fee of £29.00.

All you need to do is:

Spend a minimum £200 and above.

To apply from home, please call 01946 692116

 

 

The table below shows you how much monthly payments will be based on the total order value

Representative Example

Cash price £900
Deposit Nil
Loan amount £900
16.9% APR representative
48 monthly repayments of £27.09
Total term of loan agreement 48 months, with the first payment deferred for 6 months
Total charge for credit £400.32
total amount payable £1300.32                                                                               

 £29 early settlement fee due on all BUY NOW PAY LATER options

Interest is calculated from the start of the agreement, which means that interest will accrue during the holiday period, although no payments will be taken for 6 months.                   

                                                       

Up to 48 months Interest Bearing Finance – 19.9% APR representative

Spread the cost with our interest-bearing finance available online and in store.

Our simple finance options allow you to spread the cost of your purchase over 24, 36 or 48 months

All you need to do is:

Spend a minimum £200 and above.

We offer 3 repayment periods to help you spread the cost of your purchases.

24, 36 and 48 months interest bearing finance on orders of £200 and above

Representative Example

Cash price £900
Deposit Nil
Loan amount £900
19.9% APR representative
Interest rate 10.44% fixed
48 monthly repayments of £26.58
Total charge for credit £375.84
Total amount payable £1275.84

To apply please call 01946 692116

Credit subject to status and affordability. Terms & Conditions Apply. R.L. Brooks Limited are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Novuna Consumer Finance

Finance FAQs

How do I choose to pay by Finance?

Just let our sales consultant know when you phone, or when visiting our store.

Who is eligible to apply for online finance?

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

When do my repayments start?

For Buy Now Pay Later, your monthly repayments will start up to 6 months from date of signing, and for Interest Bearing Finance, repayments will begin one month after you sign.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant, and inside the property.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Credit subject to status and affordability. Terms & Conditions Apply. R.L. Brooks Limited are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Novuna Consumer Finance.

Novuna Consumer Finance and CreditMaster3 are trading styles 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 www.fca.org.uk.

 

Your questions answered

Here are some of the most commonly asked questions regarding online finance:

Once my application is approved, what happens next?

When your application is approved, you will be presented with the option to sign your credit agreement digitally. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement we will be notified and you need do nothing more.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

Your credit score (note that every finance company will score you differently)

Adverse credit reference agency information

You are considered to be overcommitted

You are aged under 18

Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF

• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

 

 

 

Complaints

On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;

Phone: 01946 692116      

Email: [email protected]

Address: 97 Duke Street, Whitehaven, Cumbria, CA28 7EH

If your complaint relates to your finance agreement

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna.
Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What to do if you can't reach an agreement

If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.

They can be contacted in the following ways:

• Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
• Telephone: 0300 123 9 123
• E-mail: [email protected]

 

Further details can be found on the Financial Ombudsman Service

website: www.financial-ombudsman.org.uk