Woman sitting in the doorway of her summerhouse, admiring her plants

Garden and outdoor living finance

With customers spending more time than ever enjoying an at home al fresco experience, there’s a rise in people looking to spruce up their outdoor space. But renovation projects come at a cost and not all customers will have the cash in their bank ready to go.

That’s where retail finance comes in. Convert customers and accelerate purchasing decisions by allowing your customers to spread the cost or even defer payment, so they can make the most of their outdoor living area sooner.


Grow your business with finance

We work with thousands of retailers to offer finance. Whether you focus on all-things outdoor living or operate within a particular specialism, we can help you broaden your customer base and improve conversions by harnessing the power of point of sale credit.

Hot tub financing

Customers can relax knowing there are flexible payment options on offer.

Garden rooms finance

A garden room can be a big investment. Help your customers find the most suitable way to pay.

Artificial grass on finance

Flexible finance could be just what a customer's looking for to help them give their garden a new lease of life.

Outdoor furniture financing

We offer furniture finance across a range of products, giving customers greater flexibility at the checkout.

Start reaping the rewards of offering retail finance

Don’t let the grass grow under your feet when it comes to reaching new customers and re-engaging existing ones.

Drive footfall and online traffic

Customers are on the lookout for retailers who understand them and meet their expectations. And they expect to see more flexible ways to pay. Attract customers actively looking for a retailer who offers finance options and keep existing customers coming back to you time and again.

Close sales faster and improve conversions

Upfronting thousands of pounds might be a barrier to conversion but, with retail finance, your customers can spread the cost. Make your products more attainable and you could start to see the sales roll in.

Boost average transaction value

Give your customers a reason to upgrade or to add that matching item to their basket. Where extra hundreds or even thousands of pounds upfront might not be affordable, customers may feel comfortable upping their order if they can spread the cost over a timeframe that suits them.

Finance options to suit you and your customers

Whether they’re sunbathing or socialising, help your customers to make the most of their outdoor space with our point of sale credit solutions.

Interest free

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Attract new customers and impress existing ones by offering a way to spread the cost of an order, with no additional interest to pay.

Interest bearing

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We’ll add a fixed rate of interest to your customers’ monthly payments, giving you a potentially cost-neutral finance option.

Buy now pay later

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Customers can delay paying for their order. If they pay the full sum within the deferral period, they won’t be charged interest (though an early settlement fee may apply).

Why choose Novuna Consumer Finance?

We pride ourselves on delivering outstanding service, including a comprehensive onboarding process, market-leading integration support and ongoing assistance from our sector specialist Relationship Managers. We’re all about giving your team everything they need to harness the power of retail finance and grow your business.

  • Work with a reputable retail finance provider with thousands of 5* reviews across TrustPilot and Feefo

  • It’s quick and straightforward to get you set up, thanks to our comprehensive onboarding process. Expect full team training, learning materials and a demo environment to experiment with

  • Market-leading integration process with personalised support, whether you utilise our ready-to-go plugins or require bespoke integration

  • Simple application process that can be completed online or in-store within minutes, giving your customers an instant decision

  • Our application platform can be white labelled to match your brand’s look and feel – ensuring a smooth customer journey

  • Soft search functionality to give customers more confidence when applying for finance

  • Turn potential declines into accepts with our tailoring technology. Customers can change the loan amount, term or deposit to make finance more affordable, with no additional impact to their credit score

  • Our max loan technology shows you how much a customer can borrow, giving you an ideal upsell opportunity

  • Our sector specialist Relationship Managers are on-hand to support the growth of your business, giving you ongoing insight into your customer demographics and buying behaviour

  • Award-winning support for your customers. They can also manage almost every aspect of their account online or via our app 24/7


Start offering finance to your outdoor living customers

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), 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 - 18:00 Monday to Friday
Closed Weekends & Bank Holidays