Payments will begin one month after the goods have been delivered.

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 Novuna's 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 at
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