If you select Paypal at checkout Paypal may offer you their own credit options – Hylands have no involvement with this process & receive no commission. You should read Paypal's terms and consider carefully.
Alternatively, if you are ordering goods to the value of £200 or more we offer a choice of
Novuna Personal Finance options;
1 Buy now pay later.
If you repay the full amount borrowed within 6 months, the only charge is a £29 settlement fee.
HOWEVER if you do not clear the full amount within the six months, the agreement automatically runs into a 4 year interest bearing period where interest is charged from the original contract date.
Therefore if you are unlikely to clear the account in time, it may be cheaper to select an interest-bearing agreement in the first place;
2 Interest bearing agreement
You will start repaying the loan one month after the contract date.
You can choose to repay over 2, 3 or 4 years.
The longer the contract, the more interest you will pay but you can settle at any time.
Subject to status. A credit search will be made as part of the application. Terms and conditions apply.
Please ask if you would like the latest interest rates (APR)
TO APPLY for Novuna finance: Once you have selected your goods, select the 'apply for finance' option in the basket.
We will then email you (during office hours) regarding the choices. When you reply, we will email a you link to Novuna Personal Finance to read the full terms, conditions and rates and to apply. There is no obligation to proceed. If you wish to change option we can send a new link. Email links remain active for about 10 days so you can go back to your first choice if you prefer or change your mind and pay by another method completely.
IMPORTANT PLEASE READ: A finance agreement is a legal contract - you must give accurate information in your application. You should check the agreement terms carefully before committing.
Take time to consider affordability and whether your circumstances could change. Taking on finance you cannot afford poses risks of debt, missed or late payments may incur penalties and your credit file will be affected.
Hyland's Ltd is a broker not the lender. Finance is provided by Novuna Personal Finance Ltd.
We have no other ties to Novuna. We do not compare or offer financial products from other providers.
Hyland's has no influence on the terms, conditions, procedures, charges or penalties which Novuna mayimpose.
Hyland's does not receive any commission for BNPL, but does receive a small fixed sum for interest bearing contracts sold. Hyland's staff receive no commission to ensure of no hard selling by our sales team.
Hylands and Novuna Personal Finance are regulated by the FCA.
If you have a complaint that relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, and we will forward it on to your credit provider Novuna.
Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
What to do if you can't reach an agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.
They can be contacted in the following ways:
Further details can be found on the Financial Ombudsman Service