Wickes Bespoke Bathroom - Finance Options

To apply for finance with Novuna Personal Finance, you will need to meet the following eligibility criteria:

• Be 18 years or over on application date
• Be a permanent UK resident and have been so for a minimum of 3 years

Fulfill one of the following employment criteria:

• Employed, working 16 hours minimum per week, on a permanent contract
• Self–employed working a minimum of 16 hours per week
• Retired person (this includes early retirement)
• A person on disability allowance, for which you can provide proof
• Student nurse or doctor;
• A “House Person” or a Student, providing you have a cohabiting spouse/partner in permanent paid employment or be self employed, retired or a person on disability allowance, for which you can provide proof
• Have a bank or building society account with a Direct Debit facility
• Have an email address
• Have a mobile phone number
• Have no outstanding County Court Judgements (CCJs)
• The approval of your application depends on your financial circumstances and borrowing history.

When processing your application, Novuna will carry out credit and identity checks on you with one or more credit reference agencies. To do this, Novuna will give the credit reference agencies your personal information and they will give Novuna information about you. This may affect your credit rating.

Pay monthly finance - Spread the cost over 12, 24, 36 or 48 months at 4.9% APR.

• Start making repayments once your Wickes Bespoke Bathroom project is delivered or installed.
  • All repayments commence approximately 30 days from our confirmation to the credit lender, that we have fulfilled your delivery or Wickes installation service.
  • The credit lender, will confirm the exact date of your first repayment with you via email.
• Choose a fixed period to repay the credit.
  • Select from 12, 24, 36 or 48 months.
  • For these options the interest rate is fixed at 4.9% APR.
• This option requires a minimum spend of £1,000 on Wickes Bespoke Bathroom products.
• Minimum 10% deposit required.
• Finance is available on products classified as “Wickes Bespoke Bathroom”, Wickes “Dry Fit” installation & Wickes “Tiling & Flooring” installation service. Finance can not be taken on other products sold by Wickes or “Specialist” installation services.
• Each Wickes Bespoke Bathroom order requires a separate finance agreement - e.g. a kitchen and a bathroom from the Wickes Bespoke Bathroom range requires two separate finance agreements.
• Click here for more details on eligibility criteria.

Terms, conditions and exclusions apply. Credit is subject to status and affordability. Eligibility criteria apply.

Wickes Building Supplies Limited (“Wickes”) is a credit broker for credit provided by the lender: Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance (“Novuna”).

Wickes Building Supplies Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 723596. Company Registration No: 1840419. Registered Office: Vision House, 19 Colonial Way, Watford, Hertfordshire, WD24 4JL.

Novuna Personal Finance is a trading name of Mitsubishi HC Capital UK PLC. Credit is provided by Mitsubishi HC Capital UK PLC. Mitsubishi HC Capital UK PLC is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 704348. Company Registration No. 1630491. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP.

Wickes reserves the right to withdraw finance offers at any time, without prior notice.

We kindly remind our customers that repayment cannot be made using Wickes gift cards. Acceptable settlement methods are available from the lender on request.

Wickes cannot provide independent advice on the credit options provided by the lender and customers are reminded to carefully read the credit documentation provided to them before signing the credit agreement

Pay monthly finance - Spread the cost over 60, 72, 84 or 96 months at 6.9% APR.

• Start making repayments once your Wickes Bespoke Bathroom project is delivered or installed.
  • All repayments commence approximately 30 days from our confirmation to the credit lender, that we have fulfilled your delivery or Wickes installation service.
  • The Credit lender, will confirm the exact date of your first repayment with you via email.
• Choose a fixed period to repay the credit.
  • Select from 60, 72, 84 or 96 months.
  • For these options the interest rate is fixed at 6.9% APR.
• This option requires a minimum spend of £1,000 on Wickes Bespoke Bathroom products.
• Minimum 10% deposit required.
• Finance is available on products classified as “Wickes Bespoke Bathroom”, Wickes “Dry Fit” installation & Wickes “Tiling & Flooring” installation service. Finance can not be taken on other products sold by Wickes or “Specialist” installation services.
• Each Wickes Bespoke Bathroom order requires a separate finance agreement - e.g. a kitchen and a bathroom from the Wickes Bespoke Bathroom range requires two separate finance agreements.
• Click here for more details on eligibility criteria.

Terms, conditions and exclusions apply. Credit is subject to status and affordability. Eligibility criteria apply.

Wickes Building Supplies Limited (“Wickes”) is a credit broker for credit provided by the lender: Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance (“Novuna”).

Wickes Building Supplies Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 723596. Company Registration No: 1840419. Registered Office: Vision House, 19 Colonial Way, Watford, Hertfordshire, WD24 4JL.

Novuna Personal Finance is a trading name of Mitsubishi HC Capital UK PLC. Credit is provided by Mitsubishi HC Capital UK PLC. Mitsubishi HC Capital UK PLC is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 704348. Company Registration No. 1630491. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP.

Wickes reserves the right to withdraw finance offers at any time, without prior notice.

We kindly remind our customers that repayment cannot be made using Wickes gift cards. Acceptable settlement methods are available from the lender on request.

Wickes cannot provide independent advice on the credit options provided by the lender and customers are reminded to carefully read the credit documentation provided to them before signing the credit agreement

• “Buy now, pay later” your first repayment will be due 9 months after the date of your delivery or completion of your Wickes installation.
• If you repay the loan in full on or before the date of your first repayment, your Credit Lender will not charge any interest.
• If you pay part of the loan on or before the date of your first repayment, your Credit Lender will not charge interest on the part of the loan you repay. Once your payment is received, your Credit Lender will reduce your loan balance by the sum of the repayment plus the interest rebate.
• If you make a full or partial settlement payment to your Credit Lender after the date of the first repayment, you will not be entitled to a refund of any interest incurred prior to the date the payment is received. You may be entitled to an interest rebate, which will be calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
• Repayments are spread over 48 months. (The credit agreement is for 57 months).
• The first repayment is classified as being deferred for 9 months. The deferral period is a payment holiday and is not an interest free period.
• Full or partial early repayment(s) can be made after the deferral period. Please speak to your Credit Lender for details on how these early repayments will affect the overall cost of credit (interest payable).
• Fixed interest rate of 6.9% APR.
• This option requires a minimum spend of £500 on Wickes Bespoke Bathroom products.
• Minimum 10% deposit required.
• Finance is available on products classified as “Wickes Bespoke Bathroom”, Wickes “Dry Fit” installation & Wickes “Tiling, Flooring and Internal Door” installation service. Finance can not be taken on other products sold by Wickes or “Specialist” installation services.
• Each Wickes Bespoke Bathroom order requires a separate finance agreement.
• Eligibility criteria apply.
• Terms apply to new 57 month term "Buy Now, Pay Later" agreements only (with effect from 18th April 2023).

Terms, conditions and exclusions apply. Credit is subject to status and affordability. Eligibility criteria apply.

Wickes Building Supplies Limited (“Wickes”) is a credit broker for credit provided by the lender: Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance (“Novuna”).

Wickes Building Supplies Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 723596. Company Registration No: 1840419. Registered Office: Vision House, 19 Colonial Way, Watford, Hertfordshire, WD24 4JL.

Novuna Personal Finance is a trading name of Mitsubishi HC Capital UK PLC. Credit is provided by Mitsubishi HC Capital UK PLC. Mitsubishi HC Capital UK PLC is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 704348. Company Registration No. 1630491. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP.

Wickes reserves the right to withdraw finance offers at any time, without prior notice.

We kindly remind our customers that repayment cannot be made using Wickes gift cards. Acceptable settlement methods are available from the lender on request.

Wickes cannot provide independent advice on the credit options provided by the lender and customers are reminded to carefully read the credit documentation provided to them before signing the credit agreement