To apply for credit, you must be at least 18 years old, be retired with income, or work at least 16 hours per week. In addition, you must be a resident of the United Kingdom and have resided there for at least a year.

Novuna ® Personal Finance are unable to offer finance to residents outside of the United Kingdom. Homemakers are welcome to apply or finance under their own name, but the employment details of their spouse /partner will be required to process the finance application.

Your monthly repayments will start 1 month after your hot tub or swim spa has been installed or delivered. This also applies to Buy Now, Pay Later agreements.

There are no hidden extras or arrangement fees when taking out credit with Novuna® Personal Finance.

After the approval of your credit application, you will be presented with the e-sign process within minutes. The PDF of your agreement will appear on the screen. Before consenting to the terms of a financing agreement, it is essential that you read it thoroughly. Your dealer should be able to address all of your questions.

A credit score or credit rating is a number used by financial institutions to ascertain the creditworthiness and risk associated with lending money to individuals. It is based on a number of factors, including income and occupation, as well as information obtained from credit reference agencies. The higher your credit score, the greater your likelihood of receiving credit.
This information enables individuals to receive consistent credit decisions. Credit scoring does not discriminate on sex, race, religion or disability.

In addition to credit scoring, Novuna® Personal Finance 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

Credit reference agencies hold a mix of information from different sources. Public information like County Court Judgements, electrical roll and bankruptcies. Other lenders may also file information about accounts you hold with them, your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken will also be filed, although the result of this request is not recorded.

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Finance option availability and the required deposit is subject dealer participation and the specific Jacuzzi® model being purchased – please contact or ask in the showroom for more details. Credit is subject to status and affordability. Credit is subject to status and affordability. Terms and conditions apply. Outback 365 Ltd as shown on FCA authorisation trading as Outback365 is a credit broker and is authorised and regulated by the Financial Conduct Authority. 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