Spread the Cost with Financing

Just select the option to Pay By Instalments on the checkout page and follow the steps on screen. You may be contacted by Novuna Personal Finance if they have any questions about your application. Please note, that stock will only be reserved for you once your application has been approved.

You will pay a deposit up front, and your monthly repayments will begin approximately two weeks after your items have been delivered.

No. There are no arrangement fees or hidden extras. If you choose a finance plan that is not a 12 or 24 month 0% plan, we will be transparent about interest payable and you will be able to see the exact amount due using the calculator on our product pages, and in the checkout.

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement, both French Bedroom and Novuna Personal Finance will be notified and you need do nothing more.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. 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 us to produce consistent decisions, ensuring all our applicants are treated fairly.  The credit scoring process does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. If you have been declined, please email [email protected] or call Novuna on 0344 375 5500 to find out if you can re-apply. A decline could be due to number of reasons, and is often based a combination of the following:

- Misspellings in your application, incomplete names or address history
- Your credit score
- Any adverse credit reference agency information
- You are considered to be financially overcommitted
- You are aged under 18
- Your existing account performance with other lenders

Some of the information is public information, for example electoral roll, bankruptcies and County Court Judgments.  Other lenders may also file information about accounts you hold with them, and this could include your payment history and outstanding balance on these accounts.  Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

Agencies such as Experian, Equifax, and ClearScore can give you a copy of your credit report. Please contact them directly using the links provided here. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that your circumstances change. Just because a previous application may have been turned down, this does not mean that another request will automatically be turned down too. We do suggest however, that you leave at least 6 months between applications.

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 36 months or more. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

Your welcome pack will be emailed to the email address in your application. This will contain your loan agreement along with all the regulatory paperwork, and it is sent within 7-10 days of the goods or services being delivered by French Bedroom. If you require a copy of your documents sooner you can contact Novuna's support team on 0344 375 5500 or email [email protected] who will be more than happy to help.

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

With all applications for credit, you have a statutory 14-day cooling off period, when you can cancel your application for finance without penalty. This does not change the standard 14 days you have following the delivery of goods to request a cancellation and return. Further detail on our refunds policy can be found here. Please contact us if you would like to make a cancellation.

As you have time-limited rights of cancellation, and as your payments must start for the whole loan together, the finance company insists that all goods must be taken on one delivery. This means your rights of return and cancellation all fall into a common time period.

Deliveries for all orders are subject to the lead times shown on our website and the approximate delivery date shown on your order confirmation.  However, for finance orders, once we have confirmation of approval there will be a 2 week processing period before we are able to release your goods. This overrides your approximate delivery date shown in your basket for any items that you ordered that were in stock and due for delivery in less than two weeks.

Any late or missed repayment may have serious consequences and your credit rating may be affected which could make it more difficult to obtain credit in the future.