Pavilion Broadway · Payment options
Interest-free finance
0% APR representative
Spread the cost over 6, 10, 12 or 18 months with a 20% deposit. Available on eligible orders from £625.
Credit is subject to status and affordability. Terms & conditions apply. Pavilion Broadway is a credit broker. Finance is provided by Novuna Personal Finance.
Your payment options
Choose your repayment term
Pay a 20% deposit up front, then repay the remaining balance in equal monthly instalments by Direct Debit.
| Repayment term | Minimum order value | Minimum amount financed |
|---|---|---|
| 6 months | £625 | £500 |
| 10 months | £1,250 | £1,000 |
| 12 months | £2,500 | £2,000 |
| 18 months | £3,750 | £3,000 |
All terms shown are at 0% APR representative. Minimum order values assume a 20% deposit. The amount financed is the balance remaining after your deposit.
Product exclusions: selected products, including some sale or promotional items, may be excluded. Finance is not available for Pavilion Broadway gift cards or vouchers.
From selection to application
How to apply
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01
Choose your plan
Use the finance calculator on an eligible product to select your repayment term.
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02
Go to checkout
Add your items, enter your details and select the finance payment option.
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03
Pay your deposit
Your 20% deposit is taken by card before you complete the credit application.
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04
Apply with Novuna
Complete Novuna’s application. If approved, read and sign your credit agreement.
Before you apply: financed orders can only be delivered to your home billing address; showroom collection must be arranged with our team. Express delivery is unavailable. Your order is processed after approval and receipt of your signed agreement.
A little more detail
Finance, explained
Eligibility, applications and payments. Select a question to read more.
Who can apply for finance?
To apply for online finance, you must:
- Be aged 18 or over.
- Be a UK resident and have lived in the UK for at least the last 12 months.
- Work at least 16 hours a week in permanent employment, or be retired with an income.
Homemakers can also apply in their own name; Novuna will require their spouse’s employment details to process the application. Online finance is not available to residents of the Republic of Ireland.
Meeting these criteria does not guarantee approval. Credit remains subject to status, affordability and Novuna’s assessment.
Can I apply online or in the showroom?
Applying online
Use the finance calculator on an eligible product or at checkout to select your plan. The balance after your deposit must meet the minimum amount for your chosen term. You can amend your plan in your shopping bag before completing your order.
At checkout, enter your home billing address as your delivery address and select the finance payment option. After paying your deposit by card, you will be redirected to Novuna to complete your credit application, then returned to the Pavilion Broadway website.
Novuna Personal Finance is our exclusive online finance provider. Some applications may require additional checks; a decision is not guaranteed immediately.
Applying in the showroom
Our sales team can guide you through the application at our Ashchurch showroom . If your application is approved, you will need to complete the agreement with an e-signature.
You can also call Pavilion Broadway on 01386 711512 for help arranging finance when ordering by phone.
When do I pay, and are there any fees?
Your deposit
Your deposit is charged when you successfully enter your card details on the payment page, before your credit application. If the application is declined, your deposit will be refunded; this typically takes 7 working days.
Monthly repayments
No further payment is required before delivery. Your monthly Direct Debit repayments to Novuna begin one month after your purchase has been delivered.
Fees and early repayment
This interest-free offer has no arrangement fees or early repayment fees. Monthly instalments are equal amounts. Read your credit agreement for the full payment terms.
To discuss payment arrangements or settling your agreement early, contact Novuna on 0344 375 5500 .
What happens after my application is approved?
Novuna will provide your credit agreement and instructions for completing it. Read the agreement carefully before signing, and download or retain a copy for your records.
If e-signing is offered, follow the on-screen instructions. If you choose an available print-and-post option, sign and return the agreement to the address given in Novuna’s covering letter.
Products are not allocated to your order until Novuna has received your completed, signed agreement. Once approval and the finalised agreement are confirmed, we will process your order and arrange delivery, subject to stock availability.
Your order is dispatched and delivered in its entirety. We will send dispatch confirmation and, for direct delivery orders, a tracking reference when the order is on its way.
How do delivery, collection and returns work?
Delivery and collection
Financed purchases can only be delivered to the applicant’s home billing address. Showroom collection may be arranged with Pavilion Broadway; please speak to our team before applying if you would like to collect.
Express delivery is not available with finance. Standard delivery estimates may change while your application and agreement are processed. We will confirm delivery arrangements once Novuna has approved your application and received your signed agreement.
Returns
Orders paid for using finance are covered by our standard returns policy . Please read the policy for the return process and applicable conditions.
How are credit decisions made?
Novuna assesses your application using credit scoring and affordability checks. This includes the information you provide, such as age, income and employment, together with information from credit reference agencies.
Identity checks, existing financial commitments and your repayment history with other lenders may also affect the decision. Different lenders use different assessment criteria.
If your application is declined, read Novuna’s decision communication for further information, contact details and any available review or appeal process. Please direct questions about the lending decision to Novuna.
Can I apply again if I’m declined?
If your circumstances change, you may be able to apply again. A previous decline does not automatically rule out a later application, and a later application is not guaranteed to be approved.
Contact Novuna for guidance on when to reapply. If your deposit was taken before a declined application, it will be refunded, typically within 7 working days.
How can I check my credit report?
Credit reference agencies hold information such as electoral-register records, County Court Judgments, bankruptcies, credit accounts, payment history and outstanding balances. Credit searches may also appear on your report.
You can request a free statutory credit report directly from the main UK credit reference agencies:
Follow each agency’s instructions to access your report. If you find information you believe is incorrect, contact the agency to request a correction.
Need a hand?
Pavilion Broadway
For product, order and application-process enquiries.
Novuna Personal Finance
For credit decisions, agreements and repayments.