Consumer Finance

Novuna Consumer Finance helps retailers grow sales, increase average order value, and convert more customers by offering flexible, trusted point-of-sale finance solutions. By removing affordability barriers at checkout, we make it easier for customers to say yes.

We partner with established, consumer-focused businesses that are trading profitably, have a minimum of two years’ trading history, and meet our eligibility criteria: at least £250,000 in annual turnover and a minimum net worth of £25,000 (£100,000 for Home Improvements).

• Reduced onboarding criteria
• No onboarding fee or association onboarding charges
• No management fees
• Access to industry leading finance professionals 

• Repayment terms available up to 120 months
• APRs from 0.9% to 24.9%
• Finance offered on purchases from £250 to £25,000 with zero deposit options available
• Ideal for generating sales during demanding financial periods such as Christmas or Black Friday
• Our buy now, pay later product is fully regulated by the FCA
• Deferral terms of between 1 and 12 months
• Customers can settle their agreement for just £29 during the deferral period, no need to pay any additional interest
• Customers can make overpayments at any point during the lean term

• Over 65% of our retail finance sales are interest-free
• Repayment terms from 3 to 120 months
• Finance offered on purchases from £250 to £25,000
• Zero deposit available
• No need to apply for FCA authorisation if you're offering interest-free finance over 12 months or less

• Low-cost credit options available from 0.9% to 24.9% APR
• Repayment terms up to 180 months
• Finance officered on purchases from £250 to £25,000
• Customers can make overpayments or settle early free of charge, reducing the amount of interest paid
• Deferred interest-bearing credit options available
• Suitable for a wide variety of products and price ranges
• Ideal for spreading the cost of a major purchase over a longer period of time

• Our CreditMaster3 (CM3) is one of the most sophisticated application platforms in the market. Designed specifically for retailers, it allows you to make finance an integral part of the customer journey. 
• Packed full of features such as soft search, tailored finance, online deposit collection and more  
• Omnichannel solution covering in-store, online and everything in between 
• Easy application interface and instant decisions for a smooth customer experience  
• Effortless integration for in-store and ePOS, with simple plug-ins and bespoke integration support free of charge 
• Easy to manage dashboards to manage orders, make changes and more. 

• £250k+ turnover 
• £25k of net assets (or £100k of net assets for home improvement retailers) 
• 2+ years of trading history with full accounts 
• Currently making a profit

“We couldn’t have asked for a better onboarding experience. It was quick, easy and supportive. I have years of experience with finance providers, but the service Novuna provide is above and beyond. The tailored packs they provide showcasing market trends and finance performance really help us to implement credit strategies that are right for the business and our customers.” 

Mark Grenier, Managing Director of London Door Company 

 

"I had a certain price in mind for the bike, but the financing options available really opened it up and allowed me to see what I could afford over a longer period of time. The Novuna system made it easy to make the purchase." 

Tredz Customer

"If you need a company who you can depend on, a company who are easy to work with, a company who are going to hold you to account to make sure you do things the right way, then Novuna are the right people for you." 

Mike Lord, CEO of Stiltz Homelifts

We help UK retailers of all sizes attract more customers, increase sales and boost average order value with our market-leading retail finance and POS credit solutions.

With 40+ years’ experience and more than 3,000 retail partnerships in place, we combine award-winning service, omnichannel integration and real-time performance insight to make finance a seamless part of your checkout journey.