Finance

To apply for finance, you must be over the age of 18 and a resident of the United Kingdom. You must have lived in the UK for the last 12 months or more.

You must also be in suitable employment, retired with an income, self-employed, receiving disability allowance, a registered carer, or applying with the consent of a co-habiting working partner where applicable.

Finance is not currently available to residents of Eire.

No. There are no arrangement fees or hidden extras.

If you would like to explore finance options for your HUSK project, please contact us by email at [email protected] or call us on 0117 462 1661.

Our team will talk you through the next steps and what is needed to process a finance application.

Finance decisions are usually made within seconds. If your application is approved, we will contact you during working hours to finalise the next steps.

If your application is referred, Novuna’s Underwriting Team may review your application and request further information before making a decision.

Once your application has been approved, you will be presented with the option to electronically sign your finance agreement.

You should read the agreement carefully before 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, HUSK will be notified.

Payments will usually begin one month after the goods have been delivered.

Customers can change their payment date once they have received their welcome documents from Novuna.

Yes. Customers can make additional payments at any time free of charge.

Yes. Please contact Novuna’s Customer Service team on 0344 375 5500 to discuss this.

The quickest and easiest way to view your balance is by managing your Novuna account online.

Yes. Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This will be applied to your application for finance.

Credit scoring takes into account information provided in your application, such as age, income and occupation, together with information obtained from credit reference agencies.

This allows consistent decisions to be provided and ensures that 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 may take into account confirmation of your identity, validation of certain application details, existing commitments and information held by credit reference agencies.

Novuna may not be able to provide the main reason for declining your application. A declined application may be based on one or more of the following:

• your credit score
• adverse credit reference agency information
• you are considered to be overcommitted
• you are aged under 18
• your existing account performance with other lenders

Yes. Circumstances change, and just because a previous application has been refused, it does not mean that a future request will automatically be declined. We suggest leaving at least six months between applications.

The rate of interest is the cost you will pay each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other charges.

APR stands for Annual Percentage Rate. It is a broader measure of the cost of borrowing than the interest rate, as it takes into account interest and other charges that may apply. APR can be used to compare different credit and loan offers.