PAY FOR YOUR HOT TUB, SWIM SPA OR ICE BATH WITH NOVUNA*
Hot Tub Finance Options
We offer a number of finance options through Novuna Finance in order to help you purchase your product.
13.9% APR
Interest bearing credit 13.9% APR Representative. This loan is a 60month term.
10% Deposit required.
Representative example: Borrowing £7,200 over 48 months with a £800 deposit, representative 13.9% APR, fixed monthly payments of £196.60, total amount payable £10,236.80.
Buy Now Pay in 6 or 12 months
Buy Now Pay in 6 or 12 months.
Deferred period of 6 or 12 months. If not paid in full within the deferred period it will continue onto 14.9% APR Representative over 48 months.
Representative Example (Buy Now Pay Later):
Cash price £8,000. Deposit £800. Total amount of credit £7,200. Deferred payment period of 6 or 12 months available. Pay £7,200 plus £29 admin fee within deferred period and pay no interest. If balance is not settled in full, agreement continues at 14.9% APR Representative over 48 months with 48 monthly payments of approximately £201.00. Total amount payable £10,448.
o% APR (ZERO)
ZERO Interest payments for 2 or 3 years. 50% Deposit required.
(Selected luxury models)
Representative example: Borrowing £5,000 over 24 months with a £5,000 deposit, representative 0% APR, fixed monthly payments of £208.33, total amount payable £10,000.00.
Representative example: Borrowing £5,000 over 36 months with a £5,000 deposit, representative 0% APR, fixed monthly payments of £138.89, total amount payable £10,000.00.
FAQs
To pay by finance simply ask one of our sales consultants in our showrooms or over the phone.
Customers can change their payment date once they have received their welcome documents.
Yes, customers can make additional payments at any time free of charge.
Yes, please call our Customer Service team on 0344 375 5500 to discuss this in further detail.
The quickest and easiest way for customers to view their balance is by managing their account online.
Customers can create an account or access a pre-existing account
https://my.novunapersonalfinance.co.uk/oss2/customer/
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, the employment details of your spouse / partner will be
required in order to process your application.
No. There are no arrangement fees or hidden extras.
Applying for finance couldn’t be easier or more convenient. When you buy from us you have the choice of using finance and our staff will talk you through what is needed to process an application.
The whole process only takes a few minutes and is simple and secure. Once your finance application
is approved, you will then be advised of how to sign the finance agreement and you will also receive
an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then electronically sign
the agreement or print.
Following receipt of your finance agreement and a few additional checks, your purchase can proceed.
All finance decisions will be made within seconds. Once you are approved, we will contact you (during
working hours) to finalise your purchase. If you your application is referred Novuna’s Underwriting
Team will review your application and may request some further information from you before making
their decision.
Within minutes of your application being approved, you will be presented with the option to e-sign your
agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You
should read the agreement carefully before clicking all the relevant sections agreeing to its terms. A
copy of your credit agreement will be emailed to you once the e-signature has been completed.
Once you have agreed to the terms of the finance agreement the retailer will be notified and you need
do nothing more.
Note that products will not be allocated to your order until your completed and signed agreement is
returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after
your agreement has been returned and received.
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 consistent decisions to be provided, ensuring all applicants are treated fairly.
Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of
certain application details, existing commitments and information held at the credit reference
agencies. Though Novuna is unable to provide you with a main reason for declining your application,
it is usually based on one, or a combination of the following:
Your credit score (please 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
Some of the information is public information, for example electoral roll, County Court Judgments 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.
Send a request 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.
Yes. We acknowledge that circumstances change and just because a previous application has been
refused, it does not mean that a further request will automatically be turned down. We do suggest
however, that you leave at least 6 months between applications.
The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a
percentage rate. It does not reflect fees or any other charges. The ‘APR’ is a broader measure of the
cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you
pay to get the loan. The FCA description of any APR is “APR stands for the Annual Percentage Rate
of charge. You can use it to compare different credit and loan offers. The APR takes into account not
just the interest on the loan but also other charges you have to pay, for example, any arrangement
fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from
lender to lender
