Payment on Finance

0% APR Representative

Finance is subject to status, conditions apply. Credit is provided by NOVUNA Consumer Finance, a division of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.

Terms & Conditions
• Finance is subject to status and available only to persons aged 18 or over.
• Interest free credit is sometimes available on selected ranges at varying times throughout the year.
• Available all year round on qualifying garden furniture items purchased online.
• Minimum purchase level is £600.00 on all eligible products.
• Minimum duration of finance agreement is 12 months.
• Excludes all conservatory products, and all clearance lines.
• Excludes selected concessions and partners.
• Full written details are available on request.

Qualifying spend thresholds and duration of finance term

Online Finance

Minimum spend  Loan term (months)  Deposit
£600 12 0%
£1200 12 0%
£1800 18 0%
£2400 24 0%
£3600 36 0%

In Store Finance

Minimum spend  Loan term (months)  Deposit
£750 12 20% Beds & Garden Furniture only
£1500 12 20% Upholstery & Cabinet
£2250 18 20%
£3000 24 20%
£4500 36 20%

Online Representative Example

based on 18 months interest free credit
Cash price £1,800
Deposit (0%) £0
0% APR Representative
-Interest rate 0% fixed
-Number of payments 18
-Monthly payment £100
-Total amount payable £1800

In Store Representative Example

based on 18 months interest free credit
Cash price £2,250
Deposit (20%) £450
0% APR Representative
-Interest rate 0% fixed
-Number of payments 18
-Monthly payment £100
-Total amount payable £2250

Please note:

Interest free credit subject to status. For online purchases you will complete your finance application during the online checkout. This will take approximately 20 minutes and will include a credit check. An employer reference check may also be required. No order or contract exists and no goods will be dispatched until these checks are made and receipt of your e-signature credit agreement is confirmed.  A failed application for finance may affect your credit status. Duration of interest free credit dependent upon spend level and non-negotiable.
Finance terms and conditions online may differ from those offered in store. Please contact your branch before making a visit to ensure that the items you require are eligible for interest free credit.

Park Furnishers is pleased to offer you the option of paying for your shopping in easy to manage instalments, including an option which is completely interest free.

Unless otherwise stated, Conservatories are not sold with interest free credit - check in store for applicable finance packages.

To take advantage of this payment method first you must fulfill the following criteria:

Have all items that you order delivered to your current home address.
Spend over the qualifying threshold as detailed below in a single transaction on elligible products.
Be over 18 years of age and a UK resident.
Be able to pay the interest free loan in regular instalments by Direct Debit.

How to pay on interest free credit:

  1. Go shopping! Choose your goods. You'll see a tick and 0% Finance available on the product page if the item is elligible for Pay on Finance
  2. Apply: Simply choose the finance option on Step 3 of the Checkout page and complete all the information accurately. If you make a mistake, do not worry, you are able to review all your entries, together with the items you have ordered and amend them before you submit your application. Note: Your order has yet not been accepted. Your application for interest free credit has not yet been approved.
  3. Get approved: You will see an in principle decision at the end of the checkout. Your order will either be approved, referred or declined. Sometimes we will need additional information before your order can be approved. If your status shows as referred, further checks will be carried out before your order can be accepted.
  4. You must ensure that you provide a week day, daytime telephone number during your order so that we can contact you to discuss the loan arrangement if necessary. 

Please be aware that your order remains on hold until the cancellation period has expired.

0% APR Representative

Park Furnishers Limited is authorised and regulated by the Financial Conduct Authority, and acts as a credit broker. Finance is provided by NOVUNA Consumer Finance, a division of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.

Official Company Information

Company Name:
Park Furnishers Limited

Registered Head Office
Park Furnishers Limited
Mwyndy Business Park
Rhondda Cynon Taff
CF72 8PN

Registered Company Number in England and Wales : 00563751
VAT number: 135044206


More information

Example of Finance Offer

12 months interest free credit
Cash price £1000.00
Deposit @ 10% £100.00
Charge for credit £0
Total amount of credit £900.00
APR 0% APR Representative
Number ofPayments 12
Monthly payment £75.00
Total amount payable £1000.00

48 months Interest Bearing
Cash Price £1000.00
Deposit @ 10% £100.00
Charge for Credit £222.72
Total amount of Credit £900.00
APR 11.9% APR Representative
Number of Payments 48
Monthly Payment £23.39
Total Amount payable £1222.72
We also offer 24, 36 or 48 months Interest Bearing Credit, on orders over £500.00. Please see the previous example above of an Interest Bearing option.

How do I choose to pay by interest free credit?
Just select the interest-free credit option on the checkout page or let the sales consultant know if you're buying in our showrooms.

When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Acceptance is subject to status. Credit provided by Mitsubishi HC Capital UK PLC trading as NOVUNA Consumer Finance, 2 Apex View, Leeds, LS11 9BH. Authorised and regulated by the Financial Conduct Authority.
Note - Finance is only applicable to UK residents
When you buy online from Park Furnishers you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Park Furnishers are licensed credit brokers
Credit is subject to status and written quotations are available on request. The credit advertised is provided by one credit provider with whom we have a commercial relationship.

Applying for online finance
Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Your questions answered
Here's some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on the screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement (Retailer Name) will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Mitsubishi HC Capital UK PLC. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income, and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments, and information held at the credit reference agencies. Though we are unable to provide you with the main reason for the decline of your application, it is usually based on one, or a combination of the following:
· Your credit score (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

What type of information do credit reference agencies hold about me?
Some of the information is public information, for example, electoral roll, County Court Judgements, and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include 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 the request is not recorded.

How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000
Nottingham NG1 5GX
Equifax Ltd., Credit File Advice Centre. PO Box 1140.
Bradford, BD1 5US
Consumer Services, TransUnion International UK Limited, 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.

If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications.

Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however, we will require the employment details of your spouse in order to process your application.

Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday morning deliveries can be arranged if this is more convenient for you.

How do I raise a complaint?
Please contact us (Park Furnishers) with details of your complaint. If you still have not resolved your concerns and you have purchased a product with the assistance of retail finance provided by NOVUNA Consumer Finance (formerly Hitachi Consumer Finance), then you can direct any complaint to them and they will then work with Park Furnishers to seek a resolution. You can also escalate your complaint to the Financial Ombudsman Service ( if you feel that Park Furnishers and NOVUNA have not addressed the issues you have raised in a reasonable manner.

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