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 showroom / store.
Interest Free Finance Example
Up to 24 months 0% APR representative interest free finance.
Spread the cost with our interest free finance available online and in store.
Our simple finance options allow you to spread the cost of your purchase over 6, 9, 12, 18 or 24 months.
All you need to do is:
- Spend a minimum £1000 and above
- Place a 10% deposit
- Minimum finance amount after deposit £900 and above
We offer 5 simple finance options to help you spread the cost of your purchases
- 6, 9, 12, 18 or 24 months interest free finance on orders of £1000 and above
The table below shows you how much monthly repayments will be based on the total order value.
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
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 / partner in order to
process your application.
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.
Applying for online finance
Applying for online finance couldn't be easier or more convenient. When you
buy online from Clogau 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
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 covering letter of the agreement.
Following receipt of your finance agreement and a few additional checks,
your goods will be dispatched.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented
with the options to either e-sign or print and return your finance
If you choose to e-sign your agreement, a PDF of your agreement will be
displayed on 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 Clogau will be notified and you need 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 covering letter. This signed document should then be
posted to the address shown on the covering letter of the finance
Note that products will not be allocated to your order until your completed
and signed agreement is returned and received by Novuna Consumer Finance.
Shipment of your goods will follow soon after your agreement has been
returned and received.
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.
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 addition 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 (please note that every finance company will score you
• 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
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 credit
reference agency, together with details of all addresses at which you
have lived over the last 6 years:
• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to
these addresses. 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.
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.
Can I change the order after I have completed finance?
In the event of an exchange or a change to the order within the first 14
days which results in the order value falling below £1,000 (the minimum
order requirement for interest free credit), then the initial finance would
be cancelled by Clogau and any discrepancy in value would need to be paid
via an alternative method in full directly to Clogau