Interest free credit
At Pagazzi, we believe a beautiful home should be affordable.
This is why you can spread the cost of your lighting and furniture with our Interest Free Credit Payment option. Choosing to pay for lighting and home purchases on finance means you can order what you want now. In return, you simply make regular monthly payments for a fixed amount over a set time, for manageable cost spreading.
So, whether you're looking for the perfect lighting for every room, a new dining set or a beautiful mirror for that finishing touch, our finance payment option can make your dreams a reality.
This payment option is provided by Novuna Personal Finance, an FCA regulated financial services provider.
Credit is subject to status and affordability.
Minimum spend applies*
Payment terms of 6 & 10 months available
*Minimum spend of £250 applies
FAQS
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Am I eligible toapply 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 a year or more.
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.
How do I apply?
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.
How quickly will my finance application be approved?
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.
Once my application is approved, what happens next?
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.
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 will be applied to your application for online finance.
If you decline my application, what is the reason?
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
If my application is not successful, can I re-apply?
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.
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.
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. 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.
