Finance Terms & Conditions

Buy now, pay in 6 months

Flexible Credit Options

You can choose to Buy Now & Pay Later on orders with a minimum order value of £5,000 and up to £85,000 (inc VAT), typically with a 65% deposit and 6 months deferred payment period from the date of installation. Loans are offered between £1,000 and £50,000 over a fixed term of 78 months, with a fixed APR of 19.9%. Interest is calculated from the date of installation and only payable if the outstanding balance is not settled before the end of the 6-month deferred payment period. Monthly repayments commence after the deferred payment period. Customers may settle the loan early and a settlement charge of £29 will apply. Finance is subject to status and terms.

Tom Howley, FRN: 724093 , are authorised and regulated by the Financial Conduct Authority. We are a credit broker, not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms and conditions apply.

Further Information

If you have a complaint relating to your finance agreement:

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What to do if you can’t reach an agreement:

If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you. They can be contacted in the following ways:

• Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
• Telephone: 0300 123 9 123
• E-mail: complaint.info@financial-ombudsman.org.uk

Further details can be found on the Financial Ombudsman Service website: www.financial-ombudsman.org.uk