Interest Free Credit

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 a year or more.

Your monthly repayments will begin one month after your purchase has been delivered. 

No. There are no arrangement fees or hidden extras.

Applying for online finance couldn't be easier or more convenient. When you buy online from Pagazzi you have the choice of applying for finance at checkout, by selecting the “Pay by finance” option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then electronically sign the agreement if you are satisfied with the terms.

Following receipt of your completed finance agreement your order will be processed by Pagazzi.

All finance decisions will be made within minutes. If your application is referred, Novuna will review your application and may request some further information from you before making their decision.

Within minutes of your application being approved, you will be directed to review your agreement and e-sign it if you are satisfied. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms. You will then be directed back to Pagazzi’s website to complete your purchase.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This will be applied to your application for online finance.

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

Your credit score (please 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

Yes. We 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. We do suggest however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

The 'rate of interest' is the cost you will pay each year to borrow the money, expressed as
a percentage rate. 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.