Fitted Wardrobe Flexible Finance
Spread the cost of your fitted wardrobes to make life easier
We believe that quality fitted wardrobes should be accessible for everybody, which is why we've partnered with Novuna to offer Buy Now Pay Later on all our furniture. With this, you can take delivery of your fitted wardrobes with just a 10% deposit and start enjoying them straight away. The balance can be paid at any time within 9 months with no interest, or you can then pay monthly. It's flexible to suit your budget and requirements.
If you've been considering investing in some bespoke fitted bedroom furniture but were worried about the upfront financial outlay, this is the ideal solution. We're one of very few companies offering Buy Now Pay Later fitted wardrobes in the UK, but we believe that all customers should have the opportunity to own beautiful, bespoke furniture without breaking the bank.
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Our finance packages
We offer a selection of flexible finance packages allowing you to choose whether you'd prefer to take delivery and pay only a 10% deposit with our Buy Now Pay Later, or have even lower monthly payments with our PayByFinance offering.
Buy Now Pay Later
10% deposit then pay nothing for 9 months
Pay the balance at any time with just a £29 early settlement fee
48 monthly payments at 16.9% APR
10% minimum deposit
50% maximum deposit
60 monthly payments at 12.9% APR
Buy Now, Pay Later
Spread the cost of your new furniture with Buy Now, Pay Later finance available via your designer. This finance option allows you to spread the cost of your purchase over 48 month with an agreed deferral period of 9 months. That means you can pay just a 10% deposit and take delivery of your furniture.
On delivery day your agreement will start, at which point your 9 month deferral period will begin and interest will start to accumulate on the balance owing. If the loan amount is voluntarily paid in full before the 9 month deferral period ends, interest will be waived but an early settlement fee of £29 will apply. If the balance is not cleared before the end of the deferral period, the 48 monthly Direct Debit payments will start.
Below are examples based on different order values
- Cash Price: £2500
- Deposit: £250
- Loan Amount: £2250
- APR Representative: 16.9%
- Interest Rate: 16.9% p.a. fixed
- 48 Monthly Repayments of £70.41
- Total Term of Loan Agreement: 48 Months
- Total Amount Of Credit: £2250
- Total Amount Payable: £3629.68
Our fantastic PayByFinance offer allows you to pay just a 10% deposit for your order and then pay monthly over a period of 60 months.
This simple finance option allows you to spread the cost of your purchase. You can settle the agreement at any time with an early settlement fee of £29.
Below are examples based on different order values
|Total Term (months)
- Cash Price: £2500
- Deposit: £250
- Loan Amount: £2250
- APR Representative: 12.9%
- Interest Rate: 12.9% p.a. fixed
- 60 Monthly Repayments of £50.27
- Total Term of Loan Agreement: 60 Months
- Total Amount Of Credit: £766.30
- Total Amount Payable: £3016.30
How to Apply:
To apply, request a quote for your furniture and if you're happy with what your payments will be, you can proceed with your fitted bedroom furniture order. We'll send you a link to apply online and, once accepted, you pay your deposit and then your order will be complete and we'll start to make your furniture.
It's easy, fast and super convenient.
Please note that we can only deliver the furniture to the address on the finance application.
Ready to begin?
Qualifying for Credit
- 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)
Frequently Asked Questions
When do my repayments start?
Payments will begin one month after the goods have been delivered.
Can I change my payment date?
Customers can change their payment date once they have received their welcome documents.
Can I make additional payments?
Yes, customers can make additional payments at any time free of charge.
Can I change my Direct Debit details?
Yes, please call our 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 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/
Who is eligible to apply for online 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 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.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Applying for finance
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.
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 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.
Will you credit score me 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 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.
How do I obtain a copy of this information?
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.
If my application is not successful, can I re-apply?
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.
What is APR and Rate of Interest?
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
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;
Phone: 0115 7180 322
Address: Online Bedrooms, Prospect Close, Lowmoor Business Park, Kirkby in Ashfield, NG17 7LF
If your complaint relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
What to do if you can't reach an agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.
They can be contacted in the following ways:
- Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
- Telephone: 0300 123 9 123
- E-mail: [email protected]
Further details can be found on the Financial Ombudsman Service