Interest Free Credit & Finance

We are delighted to offer our customers 0% interest free credit or Finance options on all orders over £500.

To help you spread the payments on your purchase with us, we have teamed up with Novuna Finace to offer you convenient and great value payment plan options.

Budgeting for everything can be difficult, especially when you need something  now. Home improvement loans can be difficult to handle  but our home remodelling finance option is here to help you. If you’re stuck wondering where to find the best credit for home improvement, we recommend our simple and straightforward buy now pay later options.

The process is quick and easy and applications can be conducted within our showroom, or in your own home in just a few minutes. With a very user friendly platform, answer a few simple questions and your application can be approved in under 10 seconds.

Solar Sunshades Ltd act as credit intermediaries and offer credit products provided by Novuna..

 

How to Apply

In Person – Apply at one of our showrooms in Cardiff or Bridgend, where one of our sales staff will assist you with the entire process.

Online – Following your quotation from us, should you wish to take advantage of a finance payment option we can send you an application link via e-mail or text message. Once you accept the application link, you will then be redirected to the Novuna website to complete your finance application. It’s quick and easy and takes just a few minutes to complete your application.

Novuna will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.

How Much Can I Borrow?

The minimum purchase price in order to apply for finance is £500 (For example, total purchase price of £500 with 10% deposit payable at the time of order). The maximum loan amount is £25,000.

Is A Deposit Required?

Yes. If your credit application is accepted, you will be required to pay a 10% deposit, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself.

What Is The APR?

The annual percentage rate (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself.

Some examples of the APR based on a £1,000 spend include:

0% APR payment over 12 months – (10% deposit £100) – Monthly Payments – £75 – Total Payable £1,000

0% APR payment over 24 months – (10% deposit £100) – Monthly Payments – £37.50 – Total Payable £1,000

 

How Are My Monthly Payments Made?

Monthly repayments will be taken via direct debit from your bank account. Novuna will inform you of the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Which Products Can I Buy On Finance?

Any of our products are eligible for finance. The minimum purchase price for an order to qualify for finance is £500.

How Long Before I Have To Start Repayments?

Novuna will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Can I Pay Off The Loan Early?

Yes, you have the right to repay all or part of the credit early at any time – you should contact Novuna for details by phone, e-mail or letter

Please note that interest rates will be adjusted accordingly.

How Much Does The Loan Cost?

The total cost of the loan is shown on the finance agreement, but 0% APR offers cost nothing.

Are There Any Other Charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Novuna may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

How Do I Ask A Question About The Credit Agreement?

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Novuna Finance

How Long Does It Take To Apply?

The online application takes a few minutes to complete and successful applications are processed straight away. In store applications also take just a few minutes to complete and successful applicants are approved instantly.

What Are The Requirements For Finance?

You must be over 18 years old and a permanent UK resident with 3 years address history. You must have a UK bank account capable of accepting direct debits.

The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

Can I Cancel The Credit Agreement?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give Novuna notice in writing or by telephone or email. Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please post it to Novuna. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

 

Please be aware that finance cannot be used in conjunction with any other offer. Terms and conditions outlined above apply to all finance applications. Each order placed is also subject to Solar Sunshades Ltd terms and conditions of sale, which will be issued to all customers at the time of order.