Pay Nothing For 12 Months
*After an initial 10% deposit
In association with market leaders Novuna finance, we are now able to offer our customers great new ways to pay for our products.
As well as interest free and interest bearing options, through Novuna we can now offer Buy Now Pay Later (BNPL) options, where after an initial 10% deposit you pay nothing for 12 months.
How Does it Work?
Step 1
Add items(s) to your cart and head to checkout
Step 2
Choose Novuna finance at checkout, select your preferred way to pay and apply for finance.
Step 3
Once you have completed Novuna's simple online application form you can place your order.
Step 4
Pay off over the number of months selected with Novuna finance
WHAT YOU NEED TO GET STARTED
You must be over 18 years of age.
You must be a UK resident with at least 3 years continual address history.
You must be in full time employment, unless retired or a house person with a spouse in full time employment.
You must have a UK bank account capable of accepting Direct Debits.
You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.
Finance Examples
Interest Free
A £1000 sale at 0% APR over 12 months:
Minumum Spend: £1000
Sale amount: £1000
Deposit amount (10%): £100
Credit amount: £900
Representative APR: 0%
Interest Rate: 0%
Number of repayments: 12
Monthly repayment: £75
Total amount of interest: £0
Total amount payable: £1000
Interest Bearing
A £1000 sale at 14.9% APR over 12 months:
Minimum Spend: £500
Sale amount: £1000
Deposit amount (10%): £100
Credit amount: £900
Representative APR: 14.9%
Interest Rate: 14.0%
Number of repayments: 12
Monthly repayment: £81.16
Total amount of interest: £73.91
Total amount payable: £1073.91
Buy Now Pay Later
Buy Now Pay Later (12 + 24 Months) 14.9%
Minumum Spend: £500
Sale amount: £1000
Deposit amount (10%): £100
Credit amount: £900
Representative APR: 14.9%
Interest Rate: 14.0%
Number of repayments: 24
Monthly repayment: £43.60
Total amount of interest: £146.29
Total amount payable: £1146.29
FAQ's
What is financing?
Financing is a convenient way of purchasing your goods with a minimum outlay and spreading the cost over a period of time that is convenient to you.
Who is eligible?
To apply for financing you must be aged 18 and over, work at least 16 hours a week or disabled/retired with an income. Homemakers are not excluded either and can apply under their own names but we will require their spouses employment details. You must also be a resident of the UK and have lived here for at least 3 years.
How can I apply?
Applying for financing couldn't be easier or more convenient. After you have selected your purchases, all that is required is to fill out a simple on-line application form and we will do the rest.
Is a deposit required?
Yes, a minimum 10% deposit will need to be paid upon acceptance on all finance options.
When will I know if my application for financing has been approved?
An instant decision will be given online whether or not your application for credit has been approved.
Once my application has been approved, what happens next?
Once your application for finance has been approved we will release your goods for shipment immediately. Typically the first payment will be due one month after the delivery of your goods.
How are my monthly payments made?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.
Can I pay off my loan early?
You can settle your loan agreement at any time. Simply contact Novuna Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.
Who provides the finance?
Consumer credit service provided by Novuna Retail Finance. Novuna Retail Finance is licensed by The Office of Fair Trading (Consumer Credit Licence: 704348).
Making a complaint
You can make a complaint through our customer service webpage using our live chat feature, or by calling us on (+44) 0808 189 3333 or
emailing us at cuddle@cosatto.com. We try to handle all complaints as quickly and smoothly as possible.
In the event of complaints not being able to be resolved internally, they will be managed in line with FCA and FOS requirements.
You can find our full complaints information here.
Cosatto Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN 915301) and acts as a credit intermediary and not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply.