Pay in Instalments – Flexible Payments with Novuna Consumer Finance
Interest-free credit is available when you order in our showroom or over the telephone, and when you spend over £1,000. You can choose from a flexible range of repayment terms such as spreading the cost over 6 or 10 months, 0% APR representative, and with a deposit of between 10% and 50%, through our partner Novuna Consumer Finance. We are working on making interest free credit available for orders placed online and will update our website once this is complete.
If you wish to pay using interest-free credit, just ask a member of our team or call our showroom on 03333 201 801. The application process is simple and secure, takes minutes for you to complete online, with a credit decision made in a matter of seconds.
If you want to take advantage of our interest-free credit, here’s a quick guide to everything you’ll need to know.
Please note, interest-free credit is NOT available
- for orders with a value of under £1,000
- for our Clearance items
- to non-UK residents
Frequently Asked Questions
How do I choose to pay using Interest-Free Credit?
Just ask a member of our team when visiting our showroom or call us on 03333 201 801 and we can talk you through the details and send you the link to an online application for you to complete.
- Visit our showroom or call us on 03333 201 801 and ask about the finance options available to you.
- We'll help you complete the online application form either in person or by sending you a link to the online application.
- Once approved, you'll be able to place your order and we'll contact you within the following 2-3 weeks with a delivery date.
How long does the application take?
The application process is simple and secure and takes minutes for you to complete online, with a credit decision made in a matter of seconds.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Acceptance is subject to status. Interest-Free Credit is provided by Novuna Consumer Finance (UK) PLC trading as Novuna Consumer Finance, 2 Apex View, Leeds, LS11 9BH.
NOTE - Interest-Free Credit is only available to UK residents.
When you wish to spend over £1,000 with Button & Sprung and spread the payments with Interest-Free Credit, you can request that a member of our team creates and sends to you a link to the Interest-Free Credit application form. The whole application process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, we will deliver your order.
Am I eligible for Interest-Free Credit?
Applying for Interest-Free Credit is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history – (for example, no late payments, County Court Judgements) – and meet the following minimum criteria:
- be 18 or older;
- be in permanent paid employment (working at least 16 hours a week) or retired and receiving a pension, or be a house person with a partner in permanent paid employment or be self employed; this also includes someone who is in receipt of a permanent pension or personal benefit, e.g. an invalidity or incapacity benefit.
- be a resident in the UK (or a British Crown Dependency if approved by Novuna Consumer Finance) for a minimum of 12 months;
- be able to provide acceptable proof of address (except where the goods are to be delivered to their residential address) and proof of signature;
- make payments by direct debit; and
- be purchasing the goods for personal use and not for business use;
- have a valid phone number and e-mail address.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. 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 Button & Sprung will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Consumer Finance. Delivery of your goods will follow soon after your agreement has been returned to our finance company.
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
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 interest-free credit. 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 the main reason for the 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, TransUnion International UK Limited, PO Box 491,
Leeds, LS3 1WZ
The above-listed agencies will provide details of information relating via 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 request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.
Feel free to give us a ring on 03333 201 801 or send us an email at email@example.com, and we would be happy to answer any questions you might have. Alternatively, pop into our showroom and we can process your application while you wait.