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Payment plans to help spread the cost

Novuna Personal Finance is a financial services company and provider of point of sale retail finance.  

FGC Bespoke Aluminium is a trading style of Frameless Glass Curtains Ltd Registered in England and Wales no. 06831096. Registered office: Frameless Glass Curtains Ltd. Unit 6, Ballard Business Park, Cuxton Road, Strood, Kent ME2 2NY

Representative Examples

Finance Option 1:

BUY NOW PAY LATER REPRESENTATIVE EXAMPLE
NO REPAYMENTS FOR 12 MONTHS*

CASH PRICE£10,000.00
DEPOSIT£1,000.00
TOTAL LOAN AMOUNT£9,000.00
REPAYMENTS x 108 MONTHS£153.83
TOTAL CHARGE FOR CREDIT£7,613.64
TOTAL AMOUNT REPAYABLE (INC. DEPOSIT)£17,613.64
REPRESENTATIVE APR12.9%
FIXED RATE OF INTEREST12.9%

If your agreement has a deferral period, interest will accrue from day one of your agreement and you will be required to pay interest on any balance outstanding on the expiry of your deferral period.  Any payments you make during the deferral period will be interest free and will reduce your outstanding balance and the amount of interest charged. 

Finance option 2:

BUY NOW PAY LATER REPRESENTATIVE EXAMPLE
NO REPAYMENTS FOR 6 MONTHS* 

CASH PRICE£10,000.00
DEPOSIT£1,000.00
TOTAL LOAN AMOUNT£9,000.00
REPAYMENTS x 60 MONTHS£144.77
TOTAL CHARGE FOR CREDIT£6,635.16
TOTAL AMOUNT REPAYABLE (INC. DEPOSIT)£16,635.16
REPRESENTATIVE APR VARIABLE12.9%
FIXED RATE OF INTEREST12.9%

Minimum Lending Criteria

  • You are a minimum of 18 years old.
  • You have been a permanent UK resident for at least 12 months and will continue to be for the duration of your loan.
  • You are employed or self-employed, working a minimum of 16 hours per week on a permanent contract (acceptable employment/income types include, student Doctors or Nurses, a retired person, in receipt of disability allowance, but Novuna will require proof of the level received, a house person can apply if they live with a spouse/partner who can provide employment detail.
  • You must be the homeowner and be living in the property where the installation will be.
  • You must have an email address where Novuna can forward your loan agreement to.
  • Loan value must be between £500-£50,000
  • All loans are subject to status.

Cooling-off Period

Please be advised that there is a 14-day cooling-off period during which you can cancel your loan application, however, as we commence manufacture on receipt of your deposit, after 7 days your order cannot be cancelled so alternative means of payment will be required and you will revert to our usual payment terms and conditions where 90% is paid before installation and the remaining 10% 28 days after.

Settle Early

You can repay your loan in full at any time with a small early settlement fee of £29.

If you opt to settle your interest-bearing credit loan in full on any given day then the interest on the outstanding balance is recalculated to that day plus an additional 30 days. This, however, should not be confused with an overpayment, as you also have the option of making overpayments throughout the course of their interest-bearing loan and this inevitably brings down the outstanding balance along with the interest accruing on the new balance.

If your agreement has a deferral period, interest will accrue from day one of your agreement and you will be required to pay interest on any balance outstanding on the expiry of your deferral period.  Any payments you make during the deferral period will be interest-free and will reduce your outstanding balance and the amount of interest charged. 

Additional payment

Although your commitment is to a minimum monthly repayment, you can make extra payments as and when you please, reducing the length of your loan and the interest you pay.

Reducing balance of Loan

Interest is charged on the outstanding balance only. So increasing your payments could reduce the interest you would otherwise pay.

If your agreement has a deferral period, interest will accrue from day one of your agreement and you will be required to pay interest on any balance outstanding on the expiry of your deferral period.  Any payments you make during the deferral period will be interest-free and will reduce your outstanding balance and the amount of interest charged. 

Low Deposit

Ordinarily, customers are required to pay a 50% initial deposit, 40% one week before installation and the final 10% 28 days after installation, whereas customers taking advantage of one of our finance packages will only pay an initial 25% deposit which means you can keep your hard-earned savings working for you.

Peace Of Mind

Under the loan agreement the lender is also liable for safeguarding any deposit and upholding the guarantee issued by Frameless Glass Curtains Limited (FGC).

What Happens Next?

  1. Contact FGC who will quote for your home improvement.
  2. An FGC surveyor will come out and take measurements.
  3. We send you a link by email to complete your application direct with Novuna.
  4. Subject to status, you will be notified of the acceptance of your application.
  5. You pay FGC your 10% deposit by cheque, credit/debit card or bank transfer.
  6. FGC commence with the procurement of materials for your order.
  7. After installation FGC receive payment from Novuna and your loan period starts.

Important Information

Borrowing money is a serious matter. You need to think carefully about whether you can afford the payments over the full term of the loan.  

Please be aware that interest is charged from the date the account is opened. Further details and full terms and conditions can be found on your finance agreement. It is important to read all your documentation and understand the details and costs associated with taking advantage of the financial services.

Impact on your credit file

Please click here to read the Novuna privacy notice and the impact a loan application will have on your credit history

Frameless Glass Curtains Ltd (FGC) is authorised and regulated by the Financial Conduct Authority and acts as a credit intermediary and offers credit products provided by Novuna Personal Finance who is authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk Registered Office: Novuna Personal Finance, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491

FGC is acting as a broker for Novuna Personal Finance (the lender).

FGC does not work with any other finance providers.

FGC receive a commission on the interest-bearing loans

FGC cannot give financial advice.

Frameless Glass Curtains Ltd, Company Reg: 06831096, Frameless Glass Curtains Ltd. Unit 6, Ballard Business Park, Cuxton Road, Strood, Kent ME2 2NY is authorised and regulated by the Financial Conduct Authority and also subject to the Financial Ombudsman Service.

Information correct in February 2022

Some of the images on our website are indicative images illustrating how products may look. Please contact us for full product details and specifications.