There are some criteria you must meet before you'll be able to apply for finance with us:

• You must be over 18 years old
• You must work at least 16 hours a week, be retired with a pension or a homemaker with a partner in permanent paid employment
• You must be a UK resident, and have been living here for the past three years
• You must have a mobile phone number and email address
• You must have a bank or building society account from which a Direct Debit can be taken
• You must have a good credit history, with no outstanding County Court Judgements (CCJs)

Please be aware that meeting the above eligibility criteria does not automatically guarantee your application will be accepted. Our lending decision will be based on your personal and financial circumstances, credit history, the amount you wish to borrow and over how long.

Applying for finance couldn't be easier or more convenient. When you buy online, you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the most suitable finance option for you, and completing an online application form. Just follow the simple instructions, entering your personal details as required. We'll do the rest.

The process is similar when you buy in-store. Your sales consultant will ask you to select the right finance option for you, and you’ll be able to complete our application form right there in-store. You’ll also have the option to be sent a link to our application form to complete later if that suits you better.

The whole process only takes a few minutes and is simple and secure.

A hard search will be recorded on your credit file when you apply for retail finance. We'll perform credit and identity checks on you with one or more credit reference agencies ("CRAs") including Equifax, Experian and TransUnion to ensure the information provided in your application is accurate.

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.

You may also have the option to run a soft credit check before clicking to apply. This means you'll be able to see your eligibility and the rate you'll be offered with no impact to your credit score before you apply for retail finance with us.

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement, the retailer will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the 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 finance agreement.

Please be aware that your order will not be shipped until your completed and signed agreement is returned and received by Novuna Personal Finance.

'Novuna Personal Finance' will appear on your bank statement when your Direct Debit payment is collected.

You can settle your loan early but, depending on your credit agreement, there may be an early repayment charge of £29 when settled within the deferral period stated on your agreement.