Credit subject to status and affordability. Terms & Conditions Apply. Swain and Rands Limited trading as Swain and Rands Limited is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.
Novuna Personal Finance
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Calculator Today
Spreading the cost of your home improvements has never been easier. Use our calculator to explore flexible payment options tailored to your budget — from interest-free plans to buy now, pay later.
- Interest-free options available up to 24 months
- Buy Now, Pay Later with 6, 9 or 12 month deferral
- Loans from £1,000 up to £25,000
- Quick decision — no lengthy paperwork
Credit provided by Novuna Personal Finance. Swain and Rands Limited is authorised
and regulated by the Financial Conduct Authority.
Option 1 - Buy Now, Pay Later 6 Month Deferral
Total cost: £4,500.00
Deposit: £900.00
Amount borrowed: £3,600.00
Repaid over: 60 months
Deferred for: 6 months
Interest rate: 19.9%
Representative APR: 19.9% APR
Interest payable: £2,352.60
Total payable: £6,852.60
Monthly repayment: £99.21
Monthly payments will commence 6 months from the date your agreement starts and will be payable on the same day in each subsequent month. We will tell you the due date of the first repayment. If you settle the outstanding balance before the first repayment is due then we will waive all interest charges and just charge an administration fee of £29.00.
Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974
Option 2 - Buy Now, Pay Later 9 Month Deferral
Total cost: £9,000.00
Deposit: £1,800.00
Amount borrowed: £7,200.00
Repaid over: 60 months
Deferred for: 9 months
Interest rate: 19.9%
Representative APR: 19.9% APR
Interest payable: £5,257.80
Total payable: £14,257.80
Monthly repayment: £207.63
Monthly payments will commence 9 months from the date your agreement starts and will be payable on the same day in each subsequent month. We will tell you the due date of the first repayment. If you settle the outstanding balance before the first repayment is due then we will waive all interest charges and just charge an administration fee of £29.00.
Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974
Option 3 - Buy Now, Pay Later 12 Months Deferral
Total cost: £15,000.00
Deposit: £3,000.00
Amount borrowed: £12,000.00
Repaid over: 60 months
Deferred for: 12 months
Interest rate: 19.9%
Representative APR: 19.9% APR
Interest payable: £9,726.60
Total payable: £24,726.60
Monthly repayment: £362.11
Monthly payments will commence 12 months from the date your agreement starts and will be payable on the same day in each subsequent month. We will tell you the due date of the first repayment. If you settle the outstanding balance before the first repayment is due then we will waive all interest charges and just charge an administration fee of £29.00.
Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974
Option 4 - Up To 2 Years Interest Free
Cash Price of Goods: £20,000
Deposit: 20%
Amount of Credit: £16,000
Interest Rate: 0%
Term in Months: 24
Amount of Each Repayment: £666.67
Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974
Option 5: 1 Year Interest Free
Cash Price of Goods: £12,000
Deposit: 20%
Amount of Credit: £9,600
Interest Rate: 0%
Term in Months: 12
Amount of Each Repayment: £800.00
Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974
Credit Provided by Novuna Personal Finance
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
Find all the details of our FCA Agreement here.
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