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Applying for Finance In Store

We offer 5 simple finance products both in-store and online, should you wish to visit us and apply for your finance instore then please insure you have read the below information.

Finance available:
  • 12 months Buy Now Pay Later Finance: Minimum spend £399, Minimum Deposit 10%. Pay a deposit today then pay nothing for 12 months. You can pay off your loan within 12 months and only be charged a £29 settlement fee. Alternatively, you will pay 48 monthly payments, 24.9% APR Representative.
  • 24 months Classic Credit: Minimum spend £995, Minimum Deposit 10%.
  • 36 months Classic Credit: Minimum spend £2995, Minimum Deposit 10%.
  • 12 months 0% Finance: Minimum spend £399, Minimum Deposit 10%. Deduct 10 Podium Points. Not available on Sales items.
  • 24 months 0% Finance: Minimum spend £995, Minimum Deposit 10%. NO Podium Points with this product. Not available on Sales items.
  • 36 months 0% Finance: Minimum spend £2495, Minimum Deposit 20%. NO Podium Points with this product. Not available on Sales items.
You must fulfil ALL the following criteria:
  • 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 will require the following items:
  • Bank/Building society details to complete the Direct Debit mandate
  • A major credit/debit card to pay your deposit.
  • Identification (one of):
    A valid photo driving licence.
    A valid passport.
  • Proof of residence (one of):
    A valid photo driving licence.
    An original Bank statement (not internet, dated in last 3 months)
    An original Public utility bill (dated in last 3 months, not mobile phone)
    Official document - An original mortgage statement from a recognised lender, HMRC tax notification.
You will be asked to answer the following questions:
  • Date moved in to Current Address.
  • How long has Mortgage been held for.
  • Post Codes & dates of all address lived in during the last 3 years.
  • Employees Name, Telephone Number & Post Code.
  • Net Monthly Salary.
  • Date Employment started.
  • Bank Sort Code & Account Number.
  • Date bank account opened.
Important:

Satisfying the above criteria and possessing the correct information does not guarantee you will be accepted for finance. Should your finance application be declined or referred you will not be able to leave the store with any goods.

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).