When ordering please inform the sales representative that you would like to pay by finance for all or part of your order.

Novuna Personal Finance is available on products/services from £5000. Credit is available for agreements between 24-month and 120-month terms.

The maximum loan amount (excluding a deposit) on a transaction is £50,000. The minimum deposit is 10% of the total amount.

A minimum deposit of 10% of the total amount applied for is required, but you can choose to pay up to 50% of the amount as a deposit.

Please note that the minimum loan value is £5,000 so you will need to consider that when setting your deposit level.

You can choose what your finance application covers, and use it for the whole amount if you want.

You may prefer to pay part of the order by other means if you want to reduce the amount of finance you are applying for.

Regretfully, orders with finance can only be delivered to your home billing address, to safeguard against fraudulent applications.

To apply for Novuna Consumer Finance, you must be 18 years or older, and be in regular employment (working over 16 hours per week), or in receipt of a pension if you are retired.

You must be a UK resident (minimum 12 months). You must also be able to provide proof of your address and signature, and be able to make payments by direct debit.

If you are a homemaker you can apply under your own name the employment details of your spouse / partner will be required in order to process your application.

Novuna are unable to offer finance to any person who does not satisfy the above criteria.

For the initial part of the process Novuna Consumer Finance run what is known as a soft search, which is not a full recorded score and should not show on your credit score with other providers.

However, when you decide to go ahead with a full application, Novuna Consumer Finance will conduct a credit score to assess your eligibility and affordability.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. 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.

No. There are no arrangement fees or hidden extras, and Tiger Modular do not receive any commission for advertising any finance application.

Any late fees or charges as a result of missed payments are clearly explained in the credit agreement. Be sure to read it carefully before signing.

Please contact us here at Tiger Modular directly. Our returns policy can be found on our website here If you have any questions, you can get in touch with our customer support team on 0113 254 9318 (Mon-Sat 9am-5pm).

Classic Credit (Pay Monthly): For self-assembly items, payments will begin one month after delivery. For installed products, your monthly payments will start one month after completion.

Buy Now Pay Later (Deferred Payment Period): For BNPL agreements, the monthly repayments will start 12 months after the credit agreement has been signed.

Yes – you can settle your balance, either partially or in full, at any time.

If you settle part of the balance, this will reduce the term and interest payable on the agreement. The direct debit amount will remain unchanged. Alternatively, you can take a payment holiday until the value of the agreement has been used.

If you settle the balance in full, you will be liable for interest up to the date you settle plus a further 30 days. If you repay the full loan early, a £29 processing fee will be payable.

You will be able to change your payment date with Novuna once you have received your Novuna welcome documents. If you want to change your direct debit details, simply get in touch with Novuna’s customer service team on 0344 375 5500 to discuss this in further detail.

The quickest and easiest way for customers to view their balance is by managing their account online. Customers can create an account or access a pre-existing account at https://my.novunapersonalfinance.co.uk/oss2/customer/

If your application for finance is declined it is likely because you failed to meet Novuna’s eligibility criteria.

That said, we acknowledge that situations change and just because a previous application has been refused, it doesn’t mean you will be automatically refused in the future. We do suggest however, that you leave at least six months between requests.

Please note that we are not provided with any information concerning Novuna’s decisions on finance eligibility and agreements. Any query would need to be directed to Novuna directly.

The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The ‘APR’ is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is “APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.