Pay By Finance

How to Apply:

To take advantage of this financing offer, please contact one of our branches:

• Cupar: 01334 845015
• Thornton: 01592 381673

Our team will assist you in completing your invoice and will send you a finance application link via email or text.

Credit Check Process:

Novuna conducts an initial soft credit search to assess your eligibility, which does not affect your credit file. Upon acceptance of the terms, a full credit search will be performed.

Eligibility Criteria:

To apply for finance with Novuna, you must meet the following criteria:

• Age: Be over 18 years old.
• Residency: Be a UK resident and have lived in the UK for the last 12 months or more.
• Employment Status: Work at least 16 hours a week, be retired with an income, or be a homemaker with a partner in permanent paid employment.
• Bank Account: Have a UK bank account capable of accepting Direct Debits.
• Contact Information: Possess a valid mobile phone number and email address.
• Credit History: Have a good credit history, with no outstanding County Court Judgments (CCJs).

Please note that meeting these criteria does not automatically guarantee acceptance, as the lending decision will also consider your personal and financial circumstances, credit history, the amount you wish to borrow, and the loan term.

Payment Plan Example

Representative example would be:

0% finance over 10 months

• Total order value = £600
• 10% deposit = £60
• Total amount of credit = £540
• Duration = 10 months
• Representative APR = 0%
• Interest charged = £0
• 10 monthly payments of = £54
• Total amount payable = £600

Finance Decision

Your application will be assessed based on various factors including eligibility, credit history and affordability and Novuna will let you know the outcome as soon as possible.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and the process is complete.

In a very few cases, your application may be referred to a lender for manual underwriting.  If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

Repaying the Loan

Your first direct debit payment will be taken about 19 days after you have received your purchase. This will show on your statement as a payment to Novuna. You have the right to repay all or part of the loan early at any time.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Nimbus Beds in writing.

A finance agreement does not affect our standard refund and returns policy. Just contact Novuna and we can cancel your application.

The Legal Bit

Any late or missed repayments may have serious consequences and your credit rating may be affected which could make it more difficult to obtain credit in the future. Offered subject to status and successful credit assessment.

Nimbus Beds Ltd trading as Nimbus Beds acts as a credit broker and not a lender, offering credit products provided by a limited number of finance providers, including Specialist Lending Limited (trading as Novuna).

Nimbus Beds is a limited company registered in Scotland under number SC556435 at the registered address: UNIT 12, STRATHORE BUSINESS PARK, THORNTON, FIFE, KY1 4EH