Buy Now Pay 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) 

Your payments will begin one month 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.

Applying for house extension 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 Novuna will notify us (Eurocell) 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.

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.