Applying for online finance.

We try to make it as simple as possible.

1. You have already selected the product you wish to finance and filled in the application form.
   
   
2. We have now received your application.
   
   
3. We will process your details with Novuna Consumer Finance with in a few hours. Mon-Fri, 9am-5pm GMT.
   
   
4. IMPORTANT:
   Please lookout for a further email from Novuna Consumer Finance, where you will be able to check the finance status and finish the application.
   
   To finish the application you may be asked further questions.
   
   You will need to either e-sign the agreement on line, or print and sign the finance agreement twice and post the document to the address shown on the finance agreement.
   
   The whole process only takes a few minutes and is simple and secure.
   
   
5. If you opted/or are required to pay an deposit, we will contact you via email to pay the deposit online.
6. We will get your new sewing machine or overlocker to you with-in a few working days of the application being accepted.

What Happens Next? Here's some of the most commonly asked questions regarding online finance.

Once you have visited Hitachi and your application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement we will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Consumer Finance. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will your credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
•    Your credit score (note that every finance company will score you differently)
•    Adverse credit reference agency information
•    You are considered to be overcommitted
•    You are aged under 18
•    Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
•    Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
•    Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
•    Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

If you have any questions or need to give us more information call customer service 0871 508 9804

TYPICALLY TOTAL DELIVERY TIME TAKES 3 TO 5 WORKING DAYS.

Credit subject to status and affordability. Terms & Conditions Apply. Singer Machines Ltd are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Consumer Finance. Novuna Consumer Finance is a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.