Hot Tub Finance Options
Novuna Personal Finance
Hot Tub Finance Options
We offer a number of finance options through Novuna personal finance in order to help you purchase your product.
Buy now, pay later
Option One
Defer your first monthly payment for 12 months after your delivery date. Then pay the balance over the remaining 3 years, with incurring interest of 19.9% APR. The repayment term is 48 months. A £29 fee is payable if settled within the deferred period.
Interest bearing credit
OPTION TWO
Choose to pay for your goods using finance and pay interest on the amount borrowed alongside your monthly charge to pay the balance. The agreement can be taken over 24, 36, 48 and 60 months and the interest is 9.9% APR.
Interest free credit
OPTION THREE
Up to 2 years Interest Free Credit. Pay a 50% deposit at the time of your Hot Tub, Swim Spa or selected Ice Bath purchase and pay 0% interest on the remaining 50% over either a 12 or 24 month period. Minimum order value of £5,999 applies.
Frequently Asked Questions
Click on any of the below questions and find out more...
How do I choose to pay by finance?
Just select the finance option on the product page or let the sales consultant know if you’re buying in our showrooms.
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 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.
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.
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 agreement. 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 The Wellness Co. 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 agreement.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal 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. 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 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 (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 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
- Callcredit 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.
Contact Us
Can't find the answer to your question?
Or... If you are interested in applying for one of our finance options, please
enter your details below and press submit. A member of the The Wellness Co. team will be in touch and will email you the finance application form.
Terms & Conditions
We are happy to offer our customers flexible payment options to match their budget to help them make their dream purchase a reality.
The Wellness Co. are a licensed credit broker and not a lender in these circumstances (FCA Registration 670719).
Credit is provided by Novuna Personal Finance, a division of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.
*Minimum order value of £5,999 applies.