To apply for one of our credit options you must meet the following criteria:

Over 18 years of age

1. A UK resident with at least 3 years continual address history
2. Be in full time employment, unless retired or a house person with a spouse in full time employment
3. Have a UK bank account capable of accepting Direct Debits
4. The goods must be delivered to your home address (submitted on your application)
5. Minimum purchase with us is £280

All monthly payments are paid by direct debit from the applicant’s bank account. Typically the 1st payment will be due on or around one month after the date of the finance agreement being put in place and all subsequent monthly payments will be due every month for the length of your term on that same day every month. Please have sufficient funds in place for 7 days either side of your expected 1st payment. We cannot legislate for any changes due to weekends/bank holidays.

Yes you can add multiple items to your basket, when you get to checkout select payment option pay by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority

At the payment stage you will be required to fill out the online form and add an electronic signature. Please make sure you use your full name and address.

A transaction of 50p will be authorised against a credit or debit card you own, no money will be taken from your card the process is designed to protect you and us against fraud, the details are only used to confirm they are valid and registered to your address.

Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.

Bryan Hynds chose Novuna Finance due to their ease of use, speedy process and their incredible experience. If you’re successful with your application, you will enter into a Credit Agreement with Novuna Personal Finance.

Please contact us. You will be able to find our contact details on our website contact us page. Novuna Personal Finance may also email you to advise you on the status of your application. Novuna Personal Finance will use the email address you provided on the application form but if you haven’t received any emails from them, please check your junk and spam mail folders.

Contact us directly if you want to amend any part of your order, including delivery. You will be able to find our contact details on our website contact us page.

Applications can be declined for a whole host of reasons. Unfortunately, we are not given the reason why a customer is declined for a credit application. The authorisation process is carried out by Novuna Personal Finance and Bryan Hynds has no part in the decision.

The decline message is sent to you by Novuna Personal Finance, with no justification or explanation. If you wish to find out more please contact Noovuna Finance directly. Their details can be found in the email you received from Novuna Personal Finance confirming the lending decision.

You need to carefully follow the instructions on screen to upload your proof of identity image. You can use a smartphone camera to take a picture of your identity document, there’s no need to have a scanner.

Please carefully re-enter all your card details.  Please note: Novuna Personal Finance cannot take card payments over the phone or by any other means.