We offer three types of finance here at Chrysties:

• Buy Now Pay Later (BNPL), minimum spend of £250 only available over 12 months
• Interest Free Credit, minimum spend of £750 is available over 12 or 24 months (24 months does not apply to Carpets or Flooring)
• Interest Bearing Credit, minimum spend of £750 is available over 36 or 48 months.

What is Buy Now Pay Later?
Buy Now Pay Later, also known as BNPL, is an interest bearing loan that allows you to defer your payments for 12 months. If the balance is not paid in full within the 12 months a 19.9% APR Interest Rate is applied to the balance. An admin fee of £29 applies.

What is Interest Free Credit?
Interest Free Credit allows you to make equal monthly interest free repayments, over the months stated above.

What is Interest Bearing Credit?
Interest Bearing Credit allows you to make equal monthly repayments at 12.9% APR, over the months stated above.

Frequently Asked Questions

Qualifying for Credit:
To qualify for credit you must be 18 years old or over, a UK resident for more than 12 months and own a personal bank account from which a Direct Debit can be taken from. You must be in permanent employment, working a minimum of 16 hours per week, self employed, retired person, on disability allowance, registered carer or unemployed but a 'house person' (with consent of co-habiting working partner)

Applying for credit:
Once you have chosen your furniture you will be asked to complete a credit application by Novuna Personal Finance with one of our staff members, you will be asked personal questions such as Name, Address, Employment, Bank Details etc. The application process takes around 10-15 minutes, most credit decisions are given immediately but some may be delayed due to further information being required. An e-signature will be required on all successful applications. Alternatively, we can send a link to your personal email to fill out your application at home.

Will you credit score me?
A soft search will be used before the final application is submitted. Simply put, a soft search is essentially a 'light touch' credit check that doesn't leave a footprint on your credit file and is not visible to other lenders. It allows Novuna to assess the likelihood of a customer being accepted for their chosen finance before they submit a final application.

If your application is declined, what are the reasons?
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following - Your credit score, adverse credit reference agency information, you are considered to be overcommitted, you are aged under 18, your existing account performance with other lenders.

If my application is not successful, can I re-apply?
Yes. Novuna acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. Novuna do suggest however, that you leave at least 6 months between applications.

When do my repayments start?
Payments will begin one month after the goods have been delivered.

Can I change my payment date?
Customers can change their payment date once they have received their welcome documents.

Can I make additional payments?
Yes, customers can make additional payments at any time free of charge.

Can I change my Direct Debit details?
Yes, please call the Novuna Customer Service team on 0344 375 5500 to discuss this in further detail.

How do I view my balance?
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/

Are there any arrangement fees or hidden extras for credit?
No, there are no arrangement fees or hidden fees. There is however, an admin fee of £29 if you choose the Buy Now Pay Later option.

Any other questions?
If there is anything at all you want to ask us about Interest Free credit, please don’t hesitate to call us on 01450 372248 then select option 1.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk