Our Finance Providers
We offer a range of flexible payment options to help customers manage the cost of their purchase.
Novuna Personal Finance
Interest-free finance is available over 6 or 12 months. Alternatively, customers can apply for finance over 24, 36 or 48 months at 9.9% Representative APR.
Credit is provided by Novuna Personal Finance, a division of Mitsubishi HC Capital UK PLC, which is authorised and regulated by the Financial Conduct Authority.
Klarna
Pay later with Klarna
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Eligible customers can choose between Pay in 3 and Pay in 30 days. Select Klarna at checkout to see the payment options available for your purchase.
Regulatory information
Browns Family Jewellers Limited, 2–8 Peel Street, Barnsley, South Yorkshire, S70 2QX, is authorised and regulated by the Financial Conduct Authority (“FCA”) (FCA FRN 670719) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Electronic Money Regulations 2011 (firm reference number 1021834).
Minimum Spend: Pay later: £50Pay in 3: £99
Available Credit Terms: Pay later (between £50 - £1000): 30 daysPay in 3 (between £99 - £1500): 3 months
Deposit: Pay later: No deposit requiredPay in 3: first of 3 instalments (33%)
Minimum Spend: £300
Available Credit Terms: On Term length
Deposit: 10%
Novuna Finance
Novuna finance enables us to offer you a wide range of finance options, helping you find the most affordable way to make your special purchases.
If you do not meet the payment terms of your Novuna agreement, your credit rating be will be adversely affected, which will impact your ability to access credit in the future.
The following Interest Free Credit payment terms are available, each of which requires a minimum deposit of 10%:
| Payment Term | Representative APR% |
| 6, 9 or 12 Months | 0% |
| 24, 36 or 48 Months | 9.9% |
Novuna Finance
Get an idea of what your Novuna finance payments will look like with these examples:
| Up to 12 Months 0% Interest Free Credit | Up to 24 Months 9.9% Interest Bearing Credit | Up to 36 Months 9.9% Interest Bearing Credit | |
| Purchase Amount | £1,000 | £1,000 | £1,000 |
| Finance Term | 12 Months | 24 Months | 36 Months |
| Deposit % | 10% | 10% | 10% |
| Deposit | £100 | £100 | £100 |
| Amount of Credit | £900 | £900 | £900 |
| Interest rate (APR representative) | 0% | 9.9% | 9.9% |
| Interest Amount | £0.00 | £91.68 | £137.88 |
| Total Amount Payable | £900 | £991.68 | £1037.88 |
| Monthly Repayment | £75 | £41.32 | £28.83 |
How to apply for Novuna finance
Shop
Look for the 'finance calculator' on items over £300. Select your preferred term and deposit, then add the item to your bag.
Apply
Ensure 'Pay by Finance' is selected in the Shopping Bag, then proceed to checkout and select your delivery option, after which you'll be taken to the Novuna site to complete your application.
Decision
You'll normally get a decision within a few moments.
Deposit
You will pay the 10% minimum deposit once your application has been Accepted
Enjoy
We'll send your order to the address you selected during checkout.
If you choose to pay for your order using Interest Free Credit your order must be delivered to your billing address. Interest Free Credit is not available on orders delivered outside the UK.
Klarna
Choose Klarna at checkout.
Pay In 3
Split your purchase into 3 interest-free instalments with Klarna
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Available on eligible online orders between £99 and £1,500. Select Klarna at checkout to view your available payment options and complete your application.
Ts&Cs and late fees apply.
1
Select Klarna Pay in 3 at checkout
2
Your order will be split into 3 equal payments and you’ll pay the first part when you place your order.
3
The two remaining payments will be taken at 30 and 60 days. You’ll be notified when a payment is due and when it has been collected.
Pay 30 days after delivery
Get 30 days to pay
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Available on eligible online orders between £50 and £1,000. Select Klarna at checkout to view your available payment options and complete your application.
Ts&Cs and late fees apply.
1
Select 'Pay later' at checkout.
2
Place your order and pay 30 days later for the items you keep.
3
Klarna will send you payment instructions via email.
