Man and woman decorating a hallway in a house

Retail finance for home improvement businesses

Did you know that 55% of home improvement retail customers wouldn’t have bought if they couldn’t pay with finance, and 40% of customers said that they spent more because finance was available?

Now more than ever, the decision to make costly home improvements is a big one for your customers. But what can they do if they can’t afford what they want or need?

Retail finance could be the answer. Our point of sale credit options allow customers to pay for their home improvements over time, helping you to boost sales, increase order values and stay competitive in a crowded market.


Help your customers turn their house into a home

Home improvement projects can cost thousands of pounds and paying for it all upfront can be a challenge. Your customers might not have the cash ready to go, and they might not want to wait to save up. Offer finance options at the checkout to help them spread the cost of their next big project, whether they're taking on DIY improvements or buying a new boiler.

Kitchen refits

Bathroom updates

New conservatories, doors and windows

Home extensions or loft conversions

Real customer stories: "I was able to recarpet more rooms thanks to finance"

Karen was originally planning to buy new carpets outright. But, when she found out finance was available through Novuna, she decided she could recarpet more rooms than she’d originally planned as she could spread the cost over time rather than having to pay the full amount upfront.

“I completed the application in-store with help from a member of staff and their manager, who were extremely helpful. Finance was very easy to arrange. I had a prompt email receipt and confirmation of my Direct Debit collection date and amount. All round the service was both easy and excellent.”

Karen - Novuna Consumer Finance Customer

Retail finance to write home about

A person’s home is their castle – your business is yours. By offering flexible ways to pay, you can attract more shoppers and increase sales. A win-win for both you and your customers.

Engage new and existing shoppers

Bring new customers to your door and encourage existing ones to return by offering the option to spread the cost. For ‘on the fence’ customers, parting with a large amount of cash upfront can seem daunting. Paying in instalments could seem much more manageable. Give customers a reason to buy with you sooner and avoid those abandoned baskets.

Drive sales and boost your profits

We know that offering finance encourages customers to checkout with confidence, but it can increase the amount they spend with your business too. Make the most of every opportunity with our soft search functionality, tailoring options and max loan technology. Secure sales – and then some.

Our home improvement finance solutions

We offer a range of POS finance solutions so you can choose the best fit for your business.

Interest free finance

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Give customers a free way to spread the cost of their purchase, making finance even more desirable.

Interest bearing credit

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Repaying in fixed-rate monthly instalments over a longer term can make the cost of a large purchase more manageable.

Buy now pay later

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Secure your customer now by giving them the option to pay for their home improvements later down the line.

Make yourself at home with Novuna Consumer Finance

We’re one of the UK’s leading home improvement finance companies. We know how your industry works and what makes your customers tick. That’s why our finance solutions, designed specifically for retailers, are loved by over 3,000 household brands. Find out more about us.

  • Online application process that can be completed in-store, online or from the comfort of your customer’s home

  • Tailoring options turns potential declines into accepts. Give customers the option to change their loan amount, term or deposit to make finance more affordable

  • Soft search functionality available – allow customers to check their eligibility before applying, with no impact on their credit score

  • Our max loan feature tells you whether your customer is eligible to take out more finance, providing your team with an ideal upsell opportunity

  • Swift process from start to finish thanks to instant decisioning and e-signature technology

  • Competitive finance packages plus full transparency around pricing and accept rates

  • Free-of-charge onboarding process and ongoing support from our sector specialist Relationship Managers, in-house compliance team and marketing experts

  • Our proprietary CM3 application platform seamlessly integrates with your POS or ePOS system

  • With over 40 years of experience in the market, customers recognise and trust the Novuna brand. This makes finance a more attractive option

  • Award-winning customer support, with the option for customers to manage their account online or via our app

Here's what our partners say...

“We know our customers appreciate choice whether it’s product breadth, different installation services or a variety of ways to pay, it’s important to offer flexibility. By partnering with Novuna, we are providing our customers with just that - enabling the option to spread the cost of a kitchen designed especially for them.”

Paul Owen, Director of Store Operations at Magnet

Start offering retail finance for home improvements

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)

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