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Novuna Finance - In Store and Online!

We offer interest free credit finance over 12 months. If you want to go over 12 months, we offer interest bearing credit 15.9%.

How Do I Apply?

To apply simply visit our store in Hinckley or alternatively if you require additional assistance, contact us on 01455 63 53 20.

How Much Interest Will I Pay?

0% finance means you pay absolutely nothing on top of the purchase price however if you want to take the finance out over 12 months, it will be 15.9% interest.

A 10% deposit is required on all purchases in order to apply for credit. 

Representative Example

Cash Price: £899.99
Deposit: £89.99
Loan Amount: £810.00
Representative APR: 0%

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

When Do My Repayments Start?

Your monthly repayments will begin one month after your order has been delivered.

Are There Any Arrangement Fees Or Hidden Extras For Credit?

No. There are no arrangement fees or hidden extras.

Once My Application Is Approved, What Happens Next?

With both online and in-store application you will be presented with the option to sign your credit agreement.

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 Jaspers of Hinckley Ltd. will be notified and you need do nothing more.

Please 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 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 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 main reason for 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 6 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.

We do suggest however, that you leave at least 6 months between applications.

Can I Collect My Order Or Have It Delivered To An Address That Isn't My Home Address?

Unfortunately due to the terms of the finance agreement stating that the order must be delivered over the threshold of your accommodation, you cannot collect from our store if your order is purchased with interest free credit.

You can have your order delivered to a different address to your home address provided you apply in our store and provide us with proof of address (e.g Driving Licence, Bank Statement, Utility Bill).

Can I Pay My Agreement Off Early?

Yes you can fully pay off your finance agreement with no penalties provided the first payment has already been paid.

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Credit subject to status and affordability. Terms & Conditions Apply. Jaspers Of Hinckley Ltd trading as Jaspers Of Hinckley 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 through http://www.fca.org.uk