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Finance

Novuna Personal Finance logoWe offer a range of finance options, through Novuna Personal Finance. Whether you're upgrading your equipment, expanding your current collection or just getting started, our finance options can help you to spread the cost of your new purchase.

 

Choosing a finance option that is right for you is easy with our online calculator. You'll find this next to every eligible product and at the checkout. Finance options are available on orders over £200 and the majority of applications are decided within 60 seconds. If your application is referred, Novuna's Underwriting Team will review your application and may request further information from you. Finance orders have a mandatory 10% deposit on all orders. Please be aware that Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address.


Now you can buy the latest digital cameras and lenses, video cameras, binoculars, telescopes, studio lighting and lots more without having to worry about a large, upfront cost.

 

 

 

Delivery options for Finance orders:

The cut off point for finance agreements to be dispatched the same day is 1pm. The order must be completed in its entirety, i.e. the finance agreement complete by the cut-off point. If an application is referred, delaying the order completing, this may mean that your order cannot be shipped until the following day. How quickly you receive it will depend on the postage method chosen when placing the orfder.

Finance agreements will only be ready for dispatch when the agreement has been completed and any documentation signed.

Please be aware that Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing (finance agreement) address, regardless of whether you choose an alternate delivery address when placing your order. We will always endeavour to contact you to remind you of this before dispatching your parcel, but if we cannot contact you your parcel will be dispatched to your billing address so as not to delay your receipt of the goods.

Finance agreement orders will be sent using either using Royal Mail Special Delivery before 1pm or Parcel Force, depending on the size and value of the order, to the billing address, unless you are contacted to specify an alternative delivery method.

 

 

Pre-Orders / Special Orders:

If you are paying for a "Pre-Order" or "Special Order" using finance, then please be aware of the following:

For interest-bearing loans, the agreement will only begin once your goods are dispatched and therefore the repayment period will only begin once your item has been shipped. Your first payment will be one month after you receive the goods. See "Finance Options" section below for more information about Interest-Bearing options.

For Pre-Orders or Special Orders using a Buy Now, Pay Later finance option,pease note that your deferral period starts the day you sign the agreement, NOT the date your item is received. For example, with a 12 month deferral period, the 12 months will start on the day you confirm the order and sign the agreement, not the day you receive the goods. Please consider this when ordering. See "Finance Options" section below for more information about Buy Now, Pay Later options.

For Interest Free options, the agreement will only begin once your goods are dispatched and therefore the repayment period will only begin once your item has been shipped. Your first payment will be one month after you receive the goods. See "Finance Options" section below for more information about Interest Free options.

 

 

IMPORTANT

Please note that any Finance applications which have not been completed within 1 hour of the original order time, will be cancelled automatically without notice, unless you contact us.This does not include completed applications which have been referred.

In the case of duplicate orders where both payment methods are Finance, the oldest order will automatically be cancelled, without notice.

If, for any reason, you are unable to complete the Finance application, please contact us.

Goods can only be delivered to the the address on the finance agreement. Please contact us for more information.

Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address, regardless of whether you choose an alternate delivery address when placing your order.

 

 

Finance options:

 

Interest Bearing Credit

  • 24 months (19.9% APR)
  • 36 months (19.9% APR)
  • 48 months (19.9% APR)

Interest bearing credit is an interest bearing loan that allows you to easily spread the cost over a number of months. You can choose from 24 months, 36 months or 48 months. You will enter into an agreement to pay equal monthly installments over a fixed period of time. Interest is accrued at a rate of 19.9% APR. Our online calculator will show you your monthly payments and the total cost including interest for your chosen payment plan.

Interest bearing credit is available on orders over £200. The maximum loan amount is £25,000. There is a mandatory 10% deposit on all orders.

 

Example:

Finance option chosen: Classic Credit 24 Months
Deposit: N/A
Order total: £1049
10% Deposit: £104.90
Loan amount: £944.10
Number of monthly payments: 24
Monthly payment: £47.26
Amount of interest
: £190.27
Total amount payable: £1239.27

APR 19.9%

Finance is only available to UK residents over 18, subject to terms and conditions.

 

 

 

Buy Now, Pay Later

Buy Now, Pay Later gives you 6, 9 or 12  months in which you can defer the repayment of the loan. If you do not pay the loan off in full within the 6 / 9 /12 month deferral period chosen, the loan will default to an Interest Bearing Loan payable over 48 months with an APR of 16.9%.

There is a £29 settlement fee if the loan is paid within the chosen deferral period. There is no interest payable on the loan within the deferral period.

Please consider whether the Buy Now, Pay Later option is suitable for you and that you are able to pay the loan off within the deferral period - otherwise an alternative payment or finance option may be better for you.

Buy Now, Pay Later is available on orders over £200. The maximum loan amount is £25,000. There is a mandatory 10% deposit on all finance orders. The Finance Calculator at the checkout will only show you the options applicable to your order total.

 

Example:

Finance option chosen: Buy Now, Pay Later 12 months
Order total: £1049
Deposit:
£104.90
Loan total: £944.10
Settlement Fee: £29
Total amount payable if paid in 12 months: £973.10

Interest if defaulting to 48 month Interest bearing loan: £530.42
Total amount payable if defaulting to 48 month Interest Bearing loan over: £1579.42

APR 16.9%

Finance is only available to UK residents over 18, subject to terms and conditions.

 

 

Interest Free Finance Offers

This option is available only on selected products. There is a mandatory 10% deposit on all finance orders. Only eligible items will show the option for Interest Free Finance. This will also be outlined in the "Promotions" tab.

The length of the Interest Free period varies by eligible product. No alternatives are available than the ones shown. If no Interest Free Finance is showing on the finance calculator on a product, it is not available on that item.

If your basket contains a mixture of items, some with an Interest Free Credit offer on them and some without, you will not be given the option to apply for Interest Free Credit. In this case you would need to place a separate order for the item with the 0% Finance / Interest Free offer. We will happily combine multiple orders and refund additional postage charges if applicable.

 

Example of a 12 Month 0% Finance Agreement:

Order Total: £1049
Deposit: £104.90
Loan amount: £944.10
12 x monthly installments: £78.67
Interest: £0

Total payable: £1049

0% APR

 

 

Frequently Asked Questions

Who is Eligible for Finance?

  • You must be over 18 years of age.
  • You must be a UK resident and have lived in the UK for 12 months or more.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment. If you are retired and receive a pension, Novuna  may ask for proof of sufficient income.
  • Homemakers aren't excluded from applying using their own names; however the employment details of your spouse/partner will be required in order to process your application.
  • You must have a UK bank account capable of accepting Direct Debits.
  • You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.

 Can I still have my order shipped to a different address?

  • Unfortunately, when choosing to pay with Finance, we can only ship your order to your billing address. Orders paid for using a finance option will only be dispatched to the billing (finance agreement) address, regardless of whether you choose an alternate delivery address when placing your order.

Do I have to pay a deposit?

  • You must pay a 10% deposit.

How much can I borrow?

  • For Interest Bearing Credit agreements you can borrow up to £25,000.
  • For Interest Free Credit agreements you can borrow up to £25,000.
  • For Buy Now, Pay Later you can borrow up to £25,000.

When do repayments start?

  • Your monthly repayments will start one month after your purchase has been delivered
  • For Buy Now, Pay Later orders, payments will start 6 / 9 / 12 months after the agreement has been signed, depending on the deferral period chosen.

If my application is not successful, can I re-apply?

  • Yes. Novuna acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. They do suggest however, that you leave at least 6 months between applications. We strongly advise against repeatedly applying for credit in a short space of time.

 

What is APR and Rate of Interest?

The 'rate of interest' is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The 'APR' is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is "APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.

 

Who are Novuna Personal Finance? 

Frank Wilkinson Cameras Ltd. is a credit broker and is Authorised and Regulated by the Financial Conduct Authority (FRN672245). Credit is provided by Novuna Personal Finance (previously known as Hitachi Finance), a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 704348. Credit is subject to status and affordability. Term & Conditions apply. The register can be accessed through www.fca.org.uk

Frank Wilkinson Cameras Ltd. trading as "Wilkinson Cameras" - Registered in England and Wales. Company No. 1945826

 

 

 

How to pay using Finance:

 

IMPORTANT:

Please note that any Finance applications which have not been completed within 1 hour of the original order time, will be cancelled automatically without notice, unless you contact us.

In the case of duplicate orders where both payment methods are Finance, the oldest order will automatically be cancelled, without notice.

If you have chosen to pay with Finance, but have not continued to the application process within one hour of your order time, your order will be cancelled without notice.

If, for any reason, you are unable to complete the Finance application, please contact us.

 

1. Add your item(s) to the basket. 

The Finance Calculator here will allow you to see the Finance options available to you and will clearly display your deposit options, repayment amounts and APR (where applicable). The online calculator will only show you the finance options applicable to your order total.

 

Wilkinson Cameras Finance calculator

 

Wilkinson Cameras Finance calculator

 

To be eligible for Finance, your order total must be £200 (excluding postage) or more. The maximum value depends on the finance option you choose.

 

 2. Once you are happy with your order click proceed to checkout - Please be aware that Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address. Therefore in stages 2 (Billing information) and 3 (Delivery Information) these addresses must match.

 

3. On the payment information stage of the Checkout, select "Apply for Finance"

 

Wilkinson Cameras apply online for finance at checkout

 

 

4. Click "Continue" and wait until your order is confirmed. Do not refresh or close your browser. You will be taken the the page below.

Finance application stage 4

 

5. Click "Place Order" and you will automatically be redirected to the page below (sometimes this appears in a pop-up window - please make sure to temporarily allow pop-ups when prompted by your web browser if you usually have these disabled). Here you can make sure you haven chosen the correct finance option and will be reminded of the monthly repayments, Interest Rates, etc. before you continue.

Finance application stage 5

 

6. Click "Apply For Finance" and you will automatically be redirected to an application page (sometimes this appears in a pop-up window - please make sure to temporarily allow pop-ups when prompted by your web browser if you usually have these disabled). You will then be taken to the Novuna Personal Finance website to complete your application:

Finance application V12 final stage

 

Applications must be completed within 1 hour of placing the order or the order will be cancelled.

Applications are usually decided within 60 seconds, unless referred. If referred, Novuna may contact you to request further information or may only decide on your application during working hours. Your order will go ahead as normal once your application has been approved or it will be cancelled if the application is rejected. Please be aware that Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address, regardless of whether you choose an alternate delivery address when placing your order.

 

 

Credit subject to status and affordability. Terms & Conditions Apply. Frank Wilkinson Cameras Ltd. trading as Wilkinson Cameras is a credit broker and is Authorised and Regulated by the Financial Conduct Authority under licence number FRN672245. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC Authorised and Regulated by the Financial Conduct Authority.

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