Interest Free Credit


24 months
interest free

Up to 24 months 0% APR representative interest free credit

Interest free credit is available online and in our showroom.

Our simple payment plan allows you to spread the cost of your purchase over 6, 12, 18 or 24 months.

We are unable to offer Interest Free Credit on orders with more than a 10% discount.

We offer 6, 12, 18 and 24 months credit for orders with a financed amount of over £1,000 (total order value minus 10% deposit payment). The table shows how much your monthly repayments will be based on the total value of your order.

How do I choose to pay by interest free credit?

Just send us a message and our sales consultant will contact you.  Alternatively you can choose this option through our website.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Acceptance is subject to status. Credit provided by Novuna Consumer Finance, 2 Apex View, Leeds, LS11 9BH.

Order Value Over (Months) Min 10% Deposit Monthly Payment
£1,200 6 £120 £180
£1,500 6 £150 £225
£2,000 12 £200 £150
£2,500 12 £250 £187.50
£3,000 18 £300 £150
£3,500 24 £350 £131.25

Representative Example

  • Cash Price £2,000
  • 10% Deposit £200
  • 12 Monthly Payments of £150
  • 0% APR Representative
  • Interest rate 0% (Fixed)
  • Total Amount Payable £2,000

Credit subject to status and affordability. Terms & Conditions Apply. LYHFL Limited trading as Love Your Home are a credit broker and is authorised and regulated by the Financial Conduct Authority FRN 779804 for the purposes of credit broking.

Credit is provided by Novuna Consumer Finance, Authorised and Regulated by the Financial Conduct Authority.

NOTE - Finance is only applicable to UK residents

If you wish to apply for finance, please contact the showroom on 01483 410 007. After discussing your requirements an application form from Novuna will be raised and emailed to you, for completion online are licensed credit brokers

Credit subject to status and affordability. Terms & Conditions Apply. LYHFL Ltd are a credit broker and are authorised and regulated by the Financial Conduct Authority FRN 779804 for the purposes of credit broking.
Credit is provided by Novuna, Authorised and Regulated by the Financial Conduct Authority.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, if your order meets the requirements to be eligible for IFC, you will see an option at the checkout to pay 10% deposit now and apply for IFC.

Your questions answered

Here's 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 sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the apress shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will you credit score me 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 us to produce consistent decisions, ensuring all our 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 apition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (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 Judgements 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.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all apresses at which you have lived over the last 6 years:

  • Consumer Help Desk Experian Limited PO Box 8000
    Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140.
    Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, PO Box 491,
    Leeds, LS3 1WZ

The above listed agencies will provide details of information relating via these apresses. If you believe that the information is incorrect, you can ask the agency to correct it.

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

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Who is eligible to apply for online finance?

To apply for 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 we will require the employment details of your spouse in order to process your application.

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

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

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