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 Paypals terms accordingly
Alternatively, Hylands have an arrangement with Novuna if you are ordering goods to the value of £200 or more you can spread the cost with a choice between two Finance deals, no deposit required. (Subject to status. Terms and conditions apply)
If you can repay the full amount borrowed within 6 months the best option is buy now pay later - the only charge is a £29 settlement fee. (However, you must pay in full and within the 6 months, or the agreement automatically runs into a 4 year interest bearing period* where interest is back dated and charged from the original contract date.)
If you are unlikely to clear the account within 6 months, it may be better to consider an interest-bearing agreement. You will start repaying the loan approximately 1 month after its set up but you can settle it at any time. You can choose to repay over 2 years, 3 years or 4 years. The longer the contract, the more interest you will pay.
*If you would like to know the current APR rates or have any other questions before applying, please ask us for details
To apply for Novuna finance, once you have chosen your goods select the 'apply for finance' option in the basket.
We will then email during office hours to see which finance option you wish to take - Buy now pay later OR interest bearing
Once you have replied to this we can then email you (again during office hours) with a link to Novuna Personal Finance to read the full terms, conditions and rates and to apply in your own time.
You do not have to proceed and if you wish to change options just ask us for a new link to be sent giving the term you would like to consider next. Email links remain active for about 10 days so you can go back to your first choice if you prefer. There is no obligation you don't have to proceed with any or if you wish you can decide to make payment by another method instead, just let us know.
A finance agreement is a legal contract and you should carefully consider affordability, and give accurate information in your application.
Hyland's are a broker not the lender; finance is provided by Novuna Personal Finance. We do not compare or offer financial products from other providers. Hyland's do not receive any commission or incentive from Novuna for deferred interest agreements. We receive a small fixed sum for interest bearing contracts. We have no other ties to Novuna and our sales staff receive no commission it's your choice which option you choose. Hyland's have no involvement in the terms, conditions, procedures, charges or penalties which Novuna may impose and your finance agreement is directly with them as regulated by the FCA.