Buy Now Pay Autumn 2024

To qualify you must be: Minimum age of 18 years old
UK resident of more than 12 months
Own personal bank account from which a Direct Debit can be taken
Permanent employment, working minimum 16hrs per week
Self employed
Retired person
On disability allowance
Registered carer
Unemployed & ‘house person’ (with consent of co-habiting working partner) 

Pay Monthly Your payments will begin one month after your garden room has been delivered / installed. Buy Now Pay Later Your payments will begin 6 months after your garden room has been delivered / installed.

You can change your payment date once you have received your welcome documents from Novuna Consumer Finance.

Yes, you can make additional payments to Novuna Consumer Finance at any time free of charge.

Yes, please contact Novuna Consumer Finance Customer Service team on 0344 375 5500 to discuss this in further detail.

The quickest and easiest way for you to view your balance is by managing your Novuna Consumer Finance account online. Customers can create an account or access a pre-existing account at https://my.novunapersonalfinance.co.uk/oss2/customer/

No. There are no arrangement fees or hidden extras.

Our team will contact you to provide quotes and talk you through the application process. Should you wish to make an application the whole process takes minutes and is simple and secure. Once your finance agreement is approved, you will receive an email from Novuna Consumer Finance, explaining how to sign your agreement. Please read the agreement carefully checking that all the details are correct, then when happy you can electronically sign the agreement. Once we have received confirmation that you have signed your agreement, a member of our team will contact you to confirm delivery/installation dates. ​

All finance decisions are made within seconds, and our team will advise of the decision during your application call. If you application is “Referred” Novuna’s underwriting Team will need to review your application and may contact, you to request additional information. 

Once your application is approved you will receive an email from Novuna Consumer Finance confirming this and asking you to accept your agreement.​ Our team member will talk you through this during the call. ​

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.