Novuna Personal Finance Options

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our GUR Sewing Centre store

To apply for online 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 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

No. There are no arrangement fees or hidden extras.

For goods bought using Buy Now Pay Later, the repayments will start after the completion of the agreement deferral period (12 months), which is started when the E-Signature is signed. For Interest Bearing Credit and Interest Free Credit Your monthly repayments will begin one month after your purchase has been delivered.

Applying for online finance couldn't be easier or more convenient. When you buy online from GUR trading as GUR ENTERPRISE (UK) LTD you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Within minutes of your application being approved, you will be presented with the options to either esign or print and return your finance agreement. If you choose to e-sign your agreement, a PDF of your agreement will be displayed on the screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement GUR trading as GUR ENTERPRISE (UK) LTD will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

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 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.

Successful applicants usually have:

• You are 18 or over, and a permanent UK resident able to supply UK address history for the last 3 years.
• 3 years address history and must be on the voters roll
• You have a gross annual income each year of more than £5,000 (this can include a state or private pension) and a bank or building society account with a Direct Debit facility.
• You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any County Court Judgements (CCJs).
• Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

Your deposit amount if selected is processed immediately but it is not taken from your bank/credit card. It is held by your bank whilst your application is processed. Once your application has been processed and is approved the deposit amount that was held will be taken from your account. If your application is declined, then the deposit amount will be returned to your account.

You would need to start afresh application with a new email address as your application is linked to your email address..

Give Novuna Personal Finance a call on the helpline number on your application or call us and we can provide you with this information. If your application has been referred or accepted we can update your information with Novuna Personal Finance. However, if your application has been declined, you will have to try and apply again.

No. On each selected Brother product page where Finance is available you will find a calculator to compare the different finance options’. You will be prompted to choose and pay the deposit amount online when you start your application. This cannot be changed once you have started the process.

You can only add Brother official promotional items or discounted software if applicable to your product. If you wanted to add another machine or accessories to your order, you will have to place another order. If you wanted to purchase another machine under finance you would have to process a separate finance application for that product. If you wanted to add accessories, again just place another order and then pay by credit/debit card and we will try to ensure that your two orders are combined.

We always try and dispatch machines on the same day that the finance is approved and deposit paid. However, sometimes the finance application process can take a little longer if your application has been referred for further information and can then take up to 24/72 hours. All finance orders placed after 4 pm Friday are processed on a Monday (Tuesday if there is a Bank Holiday) for same-day dispatch.

Your confirmation from Novuna Personal Finance that your order has been accepted and approved is confirmation that we have also received the same notification and we will dispatch your order as soon as possible. Also, please contact the number on the Novuna Personal Finance application if you need any help or support through your application.

Yes. To do this please call Novuna Personal Finance directly to make early payment for your purchase. There are no penalties for early payment.

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. Credit scoring 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. Though we are unable to provide you with the main reason for the declining of your application, it is usually based on one, or a combination of the following:

• Your credit score (please note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be overcommitted
• You are aged under 18
• Your existing account performance with other lenders
• In regular, permanent employment working a minimum of 16 hours per week (Includes students)

Some of the information is public information, for example, electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them, for instance, 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.

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years::

• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above-listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications..

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