Information for our retail finance customers

You may have landed on this page because you recently bought a new sofa, treated yourself to a new watch or kitted out your games room with the latest tech. When you buy using finance from one of our retail partners – and there are over 3,500 of them! – you’ll be taking out finance from us.

This page is here to tell you a little bit more about us, hopefully answering any questions you might have.

Who are Novuna Personal Finance?

Novuna Personal Finance is one of the UK’s leading financial services companies, part of Mitsubishi HC Capital Inc. There are many strings to our bow when it comes to our personal finance solutions, but our values are always consistent. We help our customers unlock their dreams sooner.

You may choose to borrow from us directly with a personal loan, or you might take out a finance agreement with us via one of our retail partners.

Our retail finance platform is seamless, you might not always know who’s behind your agreement. So if you use finance to make a purchase from a retailer, look out for ‘Novuna Personal Finance’ on your letters, emails and other correspondence about your credit agreement.

Personal loan customers

We offer traditional loans to help you reach your goals. It could be buying a new car, planning a wedding or heading off on holiday. Borrow from £1,000 to £35,000 and spread the cost between 2 and 7 years by making a series of fixed-rate monthly payments.

Retail finance customers

3,500 retailers across the UK offer our great range of personal finance options to customers just like you. If you see finance solutions such as 0% credit, low APR finance or buy now pay later at the checkout, it’s likely to be powered by a retail finance provider like us.

Are you a retailer?

We work with retailers across a variety of different sectors, from furniture and home improvements to jewellery and leisure. Drive footfall and online traffic, boost sales and increase your average order value by offering customers a more flexible way to pay.

Why choose Novuna?

  • Quick and easy application form that takes just minutes to complete

  • Fill out your application online, in-store or wherever suits you best

  • Interest free finance available, with competitive rates on interest bearing options

  • Check your eligibility for retail finance, with no impact on your credit score

  • Increase your chances of being accepted with our tailored decisioning – simply change your loan amount, term or deposit to improve the affordability of the loan

Award-winning customer support

Whether you’ve taken out a personal loan with us or you’ve found us through one of our retail partners, our outstanding customer service remains consistent.

There’s a reason we’ve been voted the Best Direct Personal Loan Provider by for the last nine years running, while our latest ServiceMark accreditation from The Institute of Customer Service reflects our high standards.

Customers are looking for ways to make their purchases more affordable. You might be faced with an unexpected expense like a boiler breakdown, want to propose to that special someone without waiting for your savings to grow or perhaps you want to treat yourself to a product you simply wouldn’t be able to afford upfront. We offer the perfect financial solution, allowing you to buy what you want now and spread the cost.

- Brian Flesk, Head of Retail at Novuna Consumer Finance

FAQs for shoppers

About retail finance

The application process

Managing my account

"Novuna has helped me with some of the most important projects in my life"

Apolo was delighted when he was accepted for 0% finance with Novuna. He had such a great experience with us when buying a new bed, he used our interest free finance option again when he spotted a watch he wanted a little while later.

Read Apolo's story

Get in touch with Novuna

If you have any questions about your finance agreement, call us on 0344 375 5500 (Monday to Friday from 9am to 6pm) or email the team at

Don’t forget you can manage your account online. Control is at your fingertips: check your balance, make a payment, change your details and so much more.