Tile House has partnered with Novuna to offer you spread the cost in a flexible way to pay interest free, to help you create your dream project. We collaborate with Novuna to offer you this flexible, convenient, and secure finance option. For orders between £800 and £25,000, you can choose to spread the cost over a period of between 6 and 12 months, with 0% APR. See below for the options of your payments depending on your spending (18+ T&Cs apply*), and also find answers to frequently asked questions about this service below.

Novuna Finance FAQs

How do I choose to PaybyFinance?

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our shop.

Who is eligible to apply for online finance?

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.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered. For buy now pay later agreements the monthly repayments will start the appropriate time after delivery.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance Process.

Applying for online finance couldn't be easier or more convenient. When you buy online from Appliance Electronics 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 cover letter of the agreement.

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

Some More Questions From You

Here are some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to either e-sign 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 Appliance Electronics will be notified and you need to 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 cover letter. This signed document should then be posted to the address shown on the cover 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.

Will you check my credit score and if so, what does this mean?

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.

If you decline my application, what is the reason?

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 (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

What type of information do credit reference agencies hold about me?

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.

If my application is not successful, can I re-apply?

Yes. We 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. We do suggest, however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

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