Hot Tubs on Finance

Example Countdown Interest Bearing Credit / Buy Now Pay Later Finance

Buy now and pay later financing is available online and in-store to spread the cost.

You can spread the cost of your purchase across or 48> month with our simple buy now/pay later financing options. There is an agreed deferral period.

Monthly payments will begin 6-10, or 12> month after signing of your finance agreement/delivery of your goods. You will only have to settle your agreement within the agreed time frame and pay a PS29.00 early settlement fee.

All that’s required is:

1. Spend at least PS300> or more
2. Place a minimum <10%> deposit
3. Minimum Finance amount after deposit or PS270> and higher

Interest Bearing Financing Example

up to 48> month 19.9%> APR representative of interest bearing finance

Our interest bearing finance is available online or in-store to spread the cost.

You can spread the cost of your purchase with our simple financing options over 24-36 or 48> month.

All that’s required is:

1. Spend at least PS300> or more
2. Place a <10%> deposit
3. Minimum Finance amount after deposit or PS270> and higher

Example of Interest-Free Finance

Finance with interest-free financing up to 12 months at 0% APR

Our interest-free financing is available online or in-store to spread the cost.

You can spread the cost of your purchase across 6 to 12> months with our simple finance options.

All that’s required is:

1. Spend at least PS350>
2. Place a <10%> deposit
3. Minimum amount of finance after deposit PS315> or above

Interest Option Finance Example

Finance options available up to 48 months at a maximum of 29.9% APR

Spread the cost by paying fixed monthly instalments. You also have the option of paying interest-free online or in-store for a time.

You can spread the cost of your purchase with our simple interest option financing options. There are an option period of 6, 12, or 18 months.

If your monthly instalments are paid on time, we will waive interest charges and only charge an administration fee, PS29.00.

All that’s required is:

1. Spend at least PS500 and more
2. Place a minimum <10%> deposit
3. Minimum amount of finance after deposit PS270> or above

The repayments begin approximately one month after the delivery of the goods. No interest is charged if the loan is paid within the option period.

Accelerated payment finance

Finance available up to 48 months at a 5.9% APR.

Spread the cost by making monthly payments. You can also reduce the interest on the balance with additional payments.

When additional payments are made in addition to the monthly repayment, interest is recalculated. This reduces the interest rate and the duration of the finance agreement.

You can spread the cost of your purchase with our simple, accelerated payment financing options. It is available in 12-24, 36, or 48> month terms.

All you have to do is:

1. Spend at least PS1,100>
2. Place a <10%> deposit
3. Minimum amount of finance after deposit PS1,000> or above

How can I choose to pay by finance?

Simply select the finance option from the checkout page, or tell the sales representative if you are buying in our showroom/store.

Who can apply online for finance?

Online finance is only available to those who are over 18 years old, work 16 hours per week, or are retired with income. The applicant must be a UK resident and have been living in the UK for at least 12 months.

Online finance is not available to Eire residents. You can apply under your own name, but you will need to provide the employment details for your spouse or partner in order to process your request.

When will my repayments begin?

After your purchase is complete, your monthly payments will start one month later.

Do you have any hidden fees or arrangement fees for credit?

No. No arrangement fees and no hidden charges.

Online finance

Online finance applications are easy and quick. You have the option of applying for financing online by placing your order in the shopping basket, choosing the finance option and then completing the online application. Follow the instructions and enter your personal details. We’ll take care of the rest.

It takes only a few minutes to complete and the process is secure and simple. After your application for finance has been approved, you will be notified of the steps to sign the agreement. You will also receive an email confirmation.

After reading the agreement, verify that the details are correct. Then either sign electronically or in hard copy. Send the signed agreement to address on the cover letter.

After receiving your finance agreement, and some additional checks, your goods are dispatched.

Your questions answered

These are some of the most frequently asked questions about online finance.

What happens after my application has been approved?

After your application has been approved, you’ll be given the option to either esign or print out and return your finance agreement.

A PDF version of your agreement will display on your screen if you choose to esign it. Before agreeing to the terms of the agreement, you should carefully read it.

Once you have accepted the terms of the financing agreement, Retailer name as it appears on FCA Register trading as Trading name> will be notified. You don’t need to do anything else.

You can print your agreement and return it by printing it. After reading the agreement carefully, you will need to sign it following the instructions in the cover letter. The signed document should be sent to the address indicated on the cover letter.

Your order will not be assigned until the signed and returned agreement has been received by Novuna Personal Finance. Once your agreement is returned and received, shipment of your goods will be made.

Can you credit score me?

Financial services companies use credit scoring to assess the credit risk of potential applicants. This method will be used to evaluate your credit risk when you apply for online financing. Credit scoring works by assigning points for every answer on the application form, such as income, age, and occupation, along with information from credit reference agencies.

This information allows for consistent decisions and ensures that all applicants are treated equally. Credit scoring doesn’t discriminate based on sex or race, religion, disability, or gender.

Why did you reject my application?

Novuna takes into consideration confirmation of identity, validations of application details and information from credit reference agencies. Although Novuna cannot give you a reason for your application being declined, it will usually base its decision on one or more of these factors:

Credit score (please note that each finance company will give you a different score)

Information about adverse credit reference agencies

Overcommitted is a sign that you are too involved

Are you under 18?

Performance of your existing account with other lenders

What kind of information does credit reference agency have about me?

Some information is public information such as electoral rolls, County Court Judgements, and bankruptcies. Information about your accounts with other lenders could also be filed. This could include information such as payment history and balances. All credit requests, including those where credit reference searches have been conducted, will be filed. However, the outcome of these requests is not recorded.

Can I reapply if my application was not accepted?

Yes. Yes. We understand that situations change. Just because an application was rejected previously does not automatically mean that another request will be denied. However, we recommend that you allow at least six months between your applications.

How can I request delivery at an address other than my house?

We regret that we are unable to deliver goods to the address at which the applicant lives in order to protect ourselves from fraudulent applications.