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PaybyFinance - Buy Now Pay Later 12 Months Finance

PaybyFinance - Buy Now Pay Later 12 Months Finance

What is it?

Buy Now Pay Later 12 Months - get your goods today, pay a 10% deposit today then pay nothing for 12 months. Your outstanding balance will then be spread over 48 monthly payments and subject to interest.

You can pay off your loan at any time during the first 12 months, before the first instalment. If you do this, you will pay no interest, just a £29 settlement fee. Your 12 month deferral period will start on the day your loan is agreed which may be before you receive your goods.

This finance product does not affect your Podium Point total

Please note, products bought using finance can only be delivered to the address used for the finance application (usually your home address) or collected in store.

Basic Requirements

  • Finance only available with purchases which include a bicycle or finance eligible wheels
  • Minimum spend £399
  • You must be 18 years of age or older
  • You must have 3 years' address history in the UK or a British Crown Dependency (if approved by Novuna Finance)
  • Have a personal bank account from which a Direct Debit can be taken
  • Have an email address and telephone number
  • You must be in permanent paid employment (>16hrs pw) or retired and receiving a pension, or be a houseperson with a partner in permanent paid employment or be self employed
  • You must be purchasing the bicycle or wheels for personal use and not for business use.

Credit subject to status and affordability. Terms & Conditions Apply. Pedal On Limited are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk (Novuna Personal Finance, 2 Apex View, Leeds, LS11 9BH. 0344 375 5500).

Representative Example based on £2000 Bicycle:

Finance Quotation based on Current Cart Contents:

How to pay for your goods by Finance:

  1. Add your goods to your shopping cart
  2. Go to Checkout and select your desired Finance option. You will then be forwarded to Novuna's website to complete your finance application.
  3. If your finance application is successful you will need to e-sign your agreement online.
  4. Please note: Novuna are able to make most application decisions immediately but occasionaly they will refer an application for further checks. If your application is referred, you will be contacted by Novuna once the extra checks have been completed or if they require any information.
  5. When your application is approved and has been e-signed we will contact you for the 10% deposit and ship your goods.

Click & Collect Finance:

If you'd like to apply for finance at home and then collect your goods in store then please select the Collection option at checkout.

When your e-signed documents have been accepted by Novuna Personal Finance we will contact you to confirm your collection date. You will need to pay your finance deposit in store when you collect your goods.

When you visit us to collect your order you must bring the following items:

  1. Photographic ID: Valid Passport or Driving Licence
  2. Proof of Address: Driving Licence or Public Utility bill (Dated in last 3 months showing applicant's name & address, online bills/statements are not acceptable.)
  3. Credit/Debit card to be used for the deposit payment. This must show the applicant's name and be registered to the address used in the finance application.
  4. Proof of order: A copy of your order email confirmation from us.