Providing finance across key retail sectors

Over 3,000 online and high street retailers of all different shapes and sizes choose to partner with Novuna Consumer Finance. Home improvement to healthcare, furniture to fitness equipment. All brought together by the desire to support customers by offering more flexible ways to pay.

Our specialist retail sectors include...

Home improvement

Could your finance options do with a touch up? We currently work with nearly 600 retailers in your space including Magnet and Homebase, covering everything from bathrooms to home extensions.


Put flexible finance options on the table. Join the many furniture retailers up and down the country who partner with us, including some of the biggest names on the high street such as DFS.

Technology and electricals

Our work in the electrical sector dates back to 1995. Fast forward 25 years and we now support over 200 retailers who’ve seen us evolve to where we are today.

Sports and leisure

Our retail finance solutions help customers to live their passions. From cycling specialists to outdoor equipment retailers, hundreds of well-known brands across the sector trust us to provide the right finance options for their customers.

Plumbing & heating

Warm up your sales with our credit solutions. Join the many market-leading brands who choose to work with us, including Worcester Bosch and Warmzilla.


From independents to high-street giants, we have experience working with a dazzling array of jewellery retailers. Some of our longest standing partnerships in your industry include Berry’s and C W Sellors.


From hearing care to laser eye surgery, we help our partners across the healthcare sector to offer finance to their patients and customers. Partners include Bupa and Optical Express.


We work with hundreds of galleries across the UK to offer flexible finance solutions. When you partner with us, you'll be benefiting your gallery, your clients, and your artists.

Outdoor living

From household name retailers and garden centres to hot tub specialists, we help businesses in the outdoor living sector attract more customers and drive sales.

Now offering membership and fee finance

We currently work with golf clubs, football clubs, private schools and holiday parks to offer membership and fee finance to members or customers.

There's zero risk to your club or organisation when you partner with us, as there's no recourse if a customer fails to make their repayments.

Man applying for finance online via his tablet

Don’t see your sector here? Don’t worry

We’d love to see how we could help so please get in touch.

We require our retailers to offer products to customers only (not for businesses), have a minimum of £2,000,000 in annual sales turnover, a minimum of 2 years trading history, a net worth of at least £25,000 (or £100,000 if your business is within the home improvements market) and be trading profitably. You must also not offer renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions.

Here are just some of our retail partners

Logos of retail partners including AGA, Optical Express, Carpetright, Brother, Purely Diamonds, Overclockers and the Bicycle Association
Senior Business Development Manager, Max Walker, working on a computer Senior Business Development Manager, Max Walker, working on a computer

You’ll need authorisation from the Financial Conduct Authority (FCA) before you can offer retail finance.

You may choose to apply for either limited or full FCA permission, or partner with a fully authorised Principal firm and become an Appointed Representative. Whether you’re already working with compliance experts or looking to take the first step, our team can help you.

FCA Authorisation

Bring the power of retail finance to your business

If you would like to enquire about becoming a retail partner, please complete the short form, and one of our team will be back to you within three business days.

You will need to confirm you can meet all of the following criteria:

  • Minimum of £2,000,000 in annual sales turnover
  • A minimum of 2 years trading history
  • Be trading profitably
  • A minimum net worth of £25,000, unless your business is within the Home Improvements market then a minimum of £100,000 will be required
  • The products you offer are for consumers and NOT for businesses
  • You do not offer renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions

Retail Partner helpline

If you are an existing retail partner with a general enquiry, please call our Retail Helpline:

0344 375 5515

Retail Helpline opening hours:
08:45 - 18:00 Monday to Friday
08:45 - 18:00 Saturday
10:00 - 18:00 Sunday

Customer helpline

If you're a customer looking to speak to someone about your existing retail finance or personal loan agreement, call our Customer Helpline:

0344 375 5500

Customer Helpline opening hours:
09:00 - 17:00 Monday to Friday
Closed Weekends & Bank Holidays