0% Interest Free Finance

We have teamed up with Novuna Customer Finance to offer our customers interest free credit on all orders over £1000.00 with just a 25% deposit upon order!
Interest free credit for 6 months on all orders over £1000.
Spend over £2500 to get 0% finance for 11 months!
The entire credit application process is automated online with no paperwork to fill out and a decision returned in less than 30 seconds.

How To Apply:

Add all of the items that you wish to purchase to the shopping basket.
Go to Checkout and select to pay by finance then send. *
We will check stock levels and then we will send you the finance form to your email address.
Spend 2 Minutes filling in the online form, wait for a decision (30 seconds) and pay the 25% deposit to Novuna online payments.
We will now call you and arrange for your order to be delivered.

*Please note Clearance / Outlet items cannot be purchased using finance and discount codes cannot be used in conjunction with finance - just get in touch and we can advise you.

Who Is Eligible?

You are more likely to have an application for finance accepted if you have a good credit history (no late payments, CCJs, etc) and meet the following minimum criteria:

Be over 18 years of age, and buying for personal and not business use.

Be a permanent UK resident with at least 3 years of UK address history.

Have a UK bank account that can accept direct debits

Be employed for minimum 16 hours per week, or have a partner who is in permanent paid employment, or be self-employed, or retired in receipt of a pension, or receiving disability payments.

Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

Have an active, valid email address.

Delivery must be to the address that you put on the finance application, which should match your bank account's billing address.

Have products totalling £1000, or more, in your basket.

Before You Apply Please Read Below:

Goods will ONLY be delivered to the address on the finance agreement. This is a very strict legal requirement and CANNOT be changed or adjusted in anyway.
If you are moving to a new property and require the goods to go to that property then please call us on 01992 536253 and we can assist before you request finance.

Nicky Cornell Ltd acts as a credit intermediary and offer credit products provided exclusively by Novuna Customer Finance, a trading style of Mitsubishi HC Capital UK LC and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged >18, subject to status, terms and conditions apply.

Broker Disclosure 

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 & Conditions Apply. The register can be accessed through http://www.fca.org.uk Credit subject to status and affordability. Terms & Conditions Apply. 

Nicky Cornell Ltd is not a lender. Credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC.

Complaints

On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with any aspect of the goods you purchased with us you may contact us in any way you prefer. 

If your complaint relates 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