Our Finance Providers
We are happy to offer our customers flexible payment options to match their budget to help them make their dream purchase a reality. Browns Family Jewellers are a licensed credit broker and not a lender in these circumstances (FCA Registration 670719).
Choose between spreading the cost with interest free finance available on over 6 to 12 months, Need a little longer? Choose between 24, 36 to 48 months with 9.9% Representative APR
Credit is provided by Novuna Personal Finance, a division of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.
We also offer Klarna as an interest free payment option; choose from either pay 30 days after delivery or pay in 3 equal instalments. Customers should be aware that Klarna offers unregulated credit agreements.
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
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%|
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|
|Finance Term||12 Months||24 Months||36 Months|
|Amount of Credit||£900||£900||£900|
|Interest rate (APR representative)||0%||9.9%||9.9%|
|Total Amount Payable||£900||£991.68||£1037.88|
How to apply for Novuna finance
Look for the 'finance calculator' on items over £300. Select your preferred term and deposit, then add the item to your bag.
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.
You'll normally get a decision within a few moments.
You will pay the 10% minimum deposit once your application has been Accepted
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.
Choose from two easy payment options; pay in 3 interest free instalments or pay 30 days after delivery.
Klarna's Pay is an unregulated credit agreement. 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.
Pay In 3
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. Select the Klarna option and enter your debit or credit card information. 3 instalments gives you flexibility to shop without interest. Not making your payment on time could affect your ability to use Klarna in the future. Debt collection agencies are used as a last resort.
Klarna's Pay in 3 is an unregulated credit agreement. 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. [www.klarna.com/uk/terms-and-conditions]
Available on orders between £99 - £1500, split your payment into 3 equal interest free instalments.
Select Klarna Pay in 3 at checkout
Your order will be split into 3 equal payments and you’ll pay the first part when you place your order.
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
Pay up to 30 days later. No interest. No fees, when you pay on time. Not making your payment on time could affect your ability to use Klarna in the future. Debt collection agencies are used as a last resort.
Pay in 30 days is an unregulated credit agreement. 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. [www.klarna.com/uk/terms-and-conditions]
Available on online orders between £50 - £1000
Select 'Pay later' at checkout.
Place your order and pay 30 days later for the items you keep.
Klarna will send you payment instructions via email.