Looking to spread the cost of your Garden Room? Here's how we can help.
Pay Upfront
If you’d prefer to pay upfront for your garden room, we’ll simply take a minimum 10% deposit to place your order and then you’ll clear the remaining balance prior to delivery
How it works
When you’re ready to place your garden room order, we’ll take your deposit payment.
The remaining balance will be due 2 days prior to your Garden Room delivery.
A member of our team will contact you to process your payment by credit or debit card.
Choosing Pay Monthly means you can place your order with a 10% deposit, then spread the remaining balance over 2 – 10 years in monthly instalments at 7.9% APR Representative.
How it works
When you are ready to place your garden room order, we'll take your deposit payment
A member of our team will contact you to agree your repayment plan quote and process your application*
Your 1st repayment will be due approximately 1 month following your delivery/installation
Am I eligible to apply for house extension finance?
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)
When do my repayments start?
Your payments will begin one month after your garden room has been delivered / installed
Can I change my payment date?
You can change your payment date once you have received your welcome documents from Novuna Consumer Finance.
Can I make additional payments?
Yes, you can make additional payments to Novuna Consumer Finance at any time free of charge.
Can I change my Direct Debit details once my agreement is set up?
Yes, please contact Novuna Consumer Finance Customer Service team on 0344 375 5500 to discuss this in further detail.
How do I view my balance?
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/
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Applying for house extension finance
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.
How quickly will my finance application be approved?
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.
Once my application is approved, what happens next?
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.
Will you credit score me and if so, what does it 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 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.
If you decline my application, what is the reason?
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
What type of information do credit reference agencies hold about me?
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.
When do my house extension repayments start?
Your payments will begin one month after your extension has been installed
Eurocell Building Plastics, High View Road, Alfreton, Derbyshire, DE55 2DT (Company No. 03071407) FRN: 936746 are Authorised and Regulated by the Financial Conduct Authority. We are a credit broker, not a lender- credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply.
