Interest Free Credit

Interest Free Credit

Novuna Finance interest free credit offers you the ability to spread the cost of your purchase over a range of terms with 0% APR Representative. Finance is only available to UK residents on selected products priced between £300 & £25,000. We require a minimum of 10% deposit on your purchase. Interest Free Credit is not available on pre-owned items, repairs & services and selected items.

How do I apply for Interest Free Credit?

  1. Fill in the application form on the product page or below and we will email you the application to complete at home.
  2. You will then be diverted to Novuna finance where you will see your credit application form and term breakdown. Enter all the information that is required.
  3. Novuna will then process your application. Once the application's status is successful, we will process a sale on the website and send you a payment link for the deposit amount.
  4. Once all payment is received and the application is successful we will then contact you to either post out your item or for you to collect in store. Please note we would require to see some identification such as a passport or driving license.


Judith Hart Jewellers Ltd are an appointed representative of Novuna Consumer Finance which is Authorised and regulated by the Financial Conduct Authority for credit broking. Credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply.

Credit is subject to status and written quotations are available on request.
Credit is provided by Hitachi Capital Consumer Finance, a division of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority.