About Novuna Interest Free Personal Finance

The agreement is to finance the purchase of the specified products from us.

The amount of your monthly repayment can be found in the ‘Repayments’ section in your agreement.

The total amount payable under your agreement can be found in the section headed ‘Description of goods/services and credit’.

You are responsible for paying each instalment by the date due. Late payment or failure to repay the balance in full could result in adverse consequences for you. As a responsible lender, we are obliged to notify credit reference agencies where payments have been missed.

Missing payments may result in:

• the total cost of the debt growing
• you incurring default charges (these are set out in the ‘Additional Charges’ section of your agreement)
• legal action being taken against you. You may have to pay the cost of such proceedings which may include our legal cost
• a negative impact on your credit score and may make obtaining credit more difficult in the future.

You have the right to withdraw from the agreement, without giving any reason, for a period of 14 days beginning on the day after this agreement starts. If you withdraw from the loan during this period the loan should be repaid in full within 41 days and where applicable, will incur interest. See your loan agreement for full details.

If you withdraw from the credit agreement within the 14 day period the agreement will be treated as if it was never entered into.

You will be provided with some pre-contract information about your loan agreement which you can take away with you. You should read this information carefully.