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Novuna Finance

Novuna Finance

Buy Now, Pay Later Finance Example

Spread the cost with our buy now, pay later finance available via online chat, email or in-store. Our simple buy now, pay later finance options allow you to spread the cost of your purchase over 48 months with an agreed deferral period. Monthly repayments will start 12 months after signing your finance agreement. Settle your agreement within the agreed deferral period by paying an early settlement fee of £29.00.

All you need to do is:

  • Spend a minimum of £240 (including VAT) and above
  • Place a minimum 10% deposit
  • Minimum finance amount after the deposit of £200 and above

We offer a simple finance option to help you spread the cost of your purchases.

  • 48 months buy now, pay later finance, with the first payment deferred for 12 months on orders of £225 and above

Representative example:

  • Cash price: £1,000
  • Deposit: £100
  • Loan amount: £900
  • 16.9% APR representative
  • Interest rate: 16.9% fixed
  • 48 monthly repayments of £29.28
  • Total term of loan agreement: 48 months, with the first payment deferred for 12 months
  • Total charge for credit: £405.44
  • Total amount payable: £1405.44

Finance FAQ

How do I choose to pay by finance?

Contact us by email at, use the online chat function online, or let the sales consultant know if you're buying in in-store, so that our team can go through the finance options with you.

Who is eligible to apply for 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 online finance to residents of Eire. Homemakers aren't excluded from applying under their names; however, we will require the employment details of your spouse to process your application.

When do my repayments start?

Your monthly repayments will begin after the deferred payment period ends.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Credit is subject to status and affordability. Terms & Conditions Apply. The Flash Centre is a credit broker and is Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed at

Applying for finance

Once you have spoken with a member of our team, you will receive a finance application form to complete.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an email advising you on how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Your questions answered

Here are some of the most commonly asked questions regarding finance.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be given the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. 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, The Flash Centre will be notified, and you need do nothing more. If you are presented with the ability to print and return your credit agreement, you should print the PDF agreement, read it carefully and then sign the document following the instructions on the cover letter. This signed document should then be posted to the address shown on the cover letter of the credit agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will you check my credit score 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 reason for the 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 company, together with details of all addresses at which you have lived over the last six years:

  • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, 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. However, we do suggest leaving at least six months between applications.

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

To safeguard against fraudulent applications, we can only deliver goods to the applicant's home address.