Novuna Personal Finance

BUY NOW PAY LATER
+
Interest free finance
now available

0% APR
Over 48 months | Deferred 12 months | APR 14.9%

Make your dream kitchen a reality

OUR 3 FINANCE OPTIONS MAKE YOUR PURCHASE EVEN MORE AFFORDABLE

At worktops.net, we know that choosing high-quality kitchen worktops is a big decision. That’s why we offer flexible finance oiptions to help make your renovation as smooth and affordable as possible.

Stunning Worktops, Flexible Payments: Explore with our Calculator

Our finance calculator is easy to use, giving you clear and transparent options to suit your budget. Enjoy beautiful, premium worktops while managing your payments with ease.

Once you’ve decided which worktop you want (minimum purchase price £1500), you can spread the cost by selecting from one of our THREE great finance options

Interest-free Credit

0% APR Representative

Make a purchase and spread the cost over 12 months without paying any interest. This means you can manage your budget more easily by breaking down the total amount into equal monthly instalments, making it a cost-effective way to finance larger purchases.

Minimum deposit value 10%.

REPRESENTATIVE EXAMPLE: If you purchase a product with a cash price of £8,000 and pay a deposit of £800, the total loan amount will be £7,200. With an APR of 0% over a term of 12 months, your monthly instalments will be £600. There are no credit charges, so the total amount payable will remain £8,000.

Buy now pay later

14.9% APR Representative

Allows you to make a purchase now and delay your payments for a deferred period of 12 months, starting after the delivery of your goods. During this time, no payments are required; however, interest will begin accumulating on the balance owed. If you choose to pay off the loan amount in full before the deferral period ends, interest will be waived, although an early settlement fee of up to £29 may apply. If the balance is not cleared by the end of the deferral period, monthly Direct Debit payments will commence, over a repayment term of 48 months. This option provides flexibility to manage larger purchases without immediate outlay, making it easier to budget for significant expenses.

Minimum deposit value 10%.

REPRESENTATIVE EXAMPLE: If you purchase a product with a cash price of £8,000 and pay a deposit of £800, the total loan amount will be £7,200. With an APR of 14.9% over a total term of 60 months, which includes the 12-month deferred period, your monthly instalments will be £188.46 for 48 months. The total credit charge will be £1,854.08, resulting in a total amount payable of £9,854.08.
 
 

Interest Bearing

9.9% APR Representative

Make a purchase now while financing the cost over a specified term, which includes paying interest on the borrowed amount. This means you will start making payments immediately, with the loan amount divided into equal monthly instalments. It’s a straightforward way to manage the cost of significant purchases while understanding the total amount you will repay over time.

Minimum deposit value 10%.

REPRESENTATIVE EXAMPLE: If you purchase a product with a cash price of £8,000 and pay a deposit of £800, the total loan amount will be £7,200. With an APR of 9.9% over a repayment term of 24 months, your monthly instalments will be approximately £330.71. The total credit charge will be £743.04, resulting in a total amount payable of £8,743.04.

Buying on finance couldn’t be easier.
Call Us on 0330 088 3391 and we will send you a secure link to complete your application.

Credit Qualification

You must:

  • 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

Payments will begin one month after the goods have been delivered. For buy now pay later agreements the monthly repayments will start 12 months after delivery.

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 our 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 finalize your purchase. If your application is referred to Novuna’s Underwriting Team, they 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 the 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.

Complaints about this Finance

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:
0330 088 3391

Email:
sales@worktops.net

Address:
Worktops.net
Kentmill, Beezon Fields,
Kendal, Cumbria
LA9 6BD

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: complaint.info@financial-ombudsman.org.uk

Further details can be found on the Financial Ombudsman Service

website: www.financial-ombudsman.org.uk