Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Novuna whose smart technology lets you apply for and complete the loan application quickly and entirely online.
Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and then choose Novuna . The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!
You will only be considered for finance if you:
• Are at least 18 years old
• You're in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
• Provide an email address so your documentation can be emailed to you.
We offer a range of interest-free finance options to help you spread the cost of your purchase over 10 months. The value of the loan needs to be over £280 and you can choose a deposit of up to 50% of the value of the goods.
Simply add the purchases to your basket and select Novuna at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
Take a look at our products available with finance and shop now
Your application will be assessed based on eligibility, credit history and affordability and Novuna will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.
Once approved, Novuna will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.
Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Novuna or your lender.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
For any other questions contact us: sales@lowryjewellers.com
Novuna is a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.Registered in Cardiff no.1630491. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey TW18 3HP
