{"schemaVersion":"ready-scan.discovery-surface.v1","id":"urn:readyscan:corpus:evidence:novuna-personal-finance-q113452630","key":"evidence:novuna-personal-finance-q113452630","kind":"evidence","slug":"novuna-personal-finance-q113452630","canonicalUrl":"https://directory.readyscan.ai/corpus/evidence/novuna-personal-finance-q113452630","machineUrl":"https://directory.readyscan.ai/discovery/corpus/evidence/novuna-personal-finance-q113452630.json","datePublished":"2026-07-29","dateModified":"2026-10-28","materialFingerprint":"fnv1a64:e83f756e8926e157","membershipFingerprint":"fnv1a64:3e34ac5c73661aec","relatedEntitySlugs":["novuna-personal-finance-q113452630"],"relatedSurfaceKeys":["buyer_question:novuna-personal-finance-q113452630-answer-09b9c721860850c80453","buyer_question:novuna-personal-finance-q113452630-answer-0b919284e9601824fc0e","buyer_question:novuna-personal-finance-q113452630-answer-352f72a957e0a25c0fbb","buyer_question:novuna-personal-finance-q113452630-answer-618d7c3765d8eb4d02e5","buyer_question:novuna-personal-finance-q113452630-answer-6c18470d3e23d1279277","buyer_question:novuna-personal-finance-q113452630-answer-6e5311051c8142065a7c","buyer_question:novuna-personal-finance-q113452630-answer-858934c5723fb5bc7b42","buyer_question:novuna-personal-finance-q113452630-answer-930db9bbb600a6a39c02","buyer_question:novuna-personal-finance-q113452630-answer-9a4bd0312c4b1d772595","buyer_question:novuna-personal-finance-q113452630-answer-a82a904e0f1740a1abaf","buyer_question:novuna-personal-finance-q113452630-answer-cee479796e3fcc7218bc","buyer_question:novuna-personal-finance-q113452630-answer-dddbff52d3abd7daf415","buyer_question:novuna-personal-finance-q113452630-answer-f9eb7d72e43d6a903269"],"sourceIds":["ready-scan-subjects"],"provenance":[{"snapshotId":"novuna-personal-finance-q113452630-content-f6d37e7abae774da-snapshot","sourceId":"ready-scan-subjects","sourceRecordId":"Q113452630","sourceRevisionId":"Q113452630:content:f94e543073ee4a55","sourceContentHash":"fnv1a64:471e2c821bc88154","recordRevisionId":"Q113452630:content:f94e543073ee4a55","recordContentHash":"fnv1a64:f237072f96d9d9b5","sourceCanonicalUrl":"https://www.novunapersonalfinance.co.uk/","sourceModifiedAt":"2026-10-28T04:51:54.788Z","observedOn":"2026-10-28","permission":{"basis":"public_information","evidenceUrl":"https://www.novunapersonalfinance.co.uk/"},"attributionUrl":"https://www.novunapersonalfinance.co.uk/"}],"quality":{"method":"same_kind_unique_trigram_floor","minimumUniqueTrigramRatio":0.3,"status":"passed"},"title":"Novuna Personal Finance — company guide","summary":"Novuna Personal Finance: “Whatever you’re planning, at Novuna Personal Finance we can help you make it happen. Novuna is a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.”","facts":[{"id":"content-native-digital-agencies-326f34e741d8418f-a-4c642c3d72402c973be9","label":"Novuna Personal Finance","value":"“Whatever you’re planning, at Novuna Personal Finance we can help you make it happen. Novuna is a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-618d7c3765d8eb4d02e5","label":"Can I make extra payments?","value":"“Yes. Simply log into your account and select 'Make a Payment' from the menu list then enter the amount you would like to pay.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-dddbff52d3abd7daf415","label":"How do I see how much I have left to pay?","value":"“You can view your remaining balance and when your final payment is due by logging into your account.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-f9eb7d72e43d6a903269","label":"What payment methods do you accept?","value":"“When you apply, we'll set up a direct debit to collect your monthly payments on or around your due date until your agreement is completed. Once we've taken your final payment, we'll stop requesting your direct debit.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-a82a904e0f1740a1abaf","label":"Can I manage my account online?","value":"“Yes, you can make payments, send secure messages, check your balance, change your monthly payment due date and much more. You can download the app via App Store or Google Play. Alternatively, you can login via a browser.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-6c18470d3e23d1279277","label":"How do I update my Direct Debit details?","value":"“You can update your details including your due date online or via the app by logging in and selecting ‘change Direct Debit’ from the options.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-930db9bbb600a6a39c02","label":"What can I do if I can’t afford my repayments anymore?","value":"“We understand circumstances can change and once we know more about your personal and financial situation, we can look at other options available to you.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-6e5311051c8142065a7c","label":"I've had communication from you but I think it's a scam. What should I do?","value":"“Please report any suspicious communication to phishing@novuna.co.uk.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-858934c5723fb5bc7b42","label":"What is retail finance?","value":"“Retail finance, often known as consumer finance, gives customers like you more flexible ways to pay when you make a purchase from select retailers.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/retail-finance/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-0b919284e9601824fc0e","label":"How do I pay using retail finance?","value":"“Whether you’re buying a bed, a bike or a boiler, if you select products or services from one of our retail partners you’ll be able to pay by finance at the in-store or online checkout.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/retail-finance/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-9a4bd0312c4b1d772595","label":"The payment option I want isn’t available at the checkout – why?","value":"“We work closely with retailers across the country to help offer payment options to suit their customers.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/retail-finance/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-352f72a957e0a25c0fbb","label":"Are there any other fees or hidden extras I need to know about?","value":"“No. There are no arrangement fees, application fees or hidden costs.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/retail-finance/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-cee479796e3fcc7218bc","label":"When do my repayments start?","value":"“Your monthly repayments will begin one month after your purchase has been delivered. For buy now pay later agreements, the monthly repayments will start after your deferral period (which will commence after your purchase has been delivered).”","sourceUrls":["https://www.novunapersonalfinance.co.uk/retail-finance/faqs/"]},{"id":"content-native-digital-agencies-326f34e741d8418f-a-09b9c721860850c80453","label":"If I apply for finance, will a credit check be conducted?","value":"“A hard search will be recorded on your credit file when you apply for retail finance. We’ll perform credit and identity checks on you with one or more credit reference agencies (“CRAs”) including Equifax, Experian and TransUnion to ensure the information provided in your application is accurate.”","sourceUrls":["https://www.novunapersonalfinance.co.uk/retail-finance/faqs/"]}]}