Browse our collections and add items to your basket as normal.
Select Finance at Checkout
Pick your preferred term and complete the short online application.
Get a Decision
Novuna will process your application and respond within minutes.
Sign & We Ship
E-sign your agreement and we'll get your furniture on its way.
Common Questions
Credit is provided by Novuna Personal Finance, a division of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. House of Oak is a credit broker, not a lender.
For 0% interest-free credit, the minimum order is £850. For interest-bearing credit at 9.9% APR, the minimum is £500. Both options require a 10% deposit.
The online application takes a few minutes to complete. You'll typically receive a decision within minutes. Once approved, you can e-sign the agreement and your order will be processed straight away.
Yes. Visit our Huddersfield showroom and our staff can help you through the application in person. Bring a form of ID and a debit card for the deposit.
Applying for finance involves a credit check by Novuna. This will appear on your credit file. A well-managed finance agreement with on-time payments can actually help build your credit history.
Yes, you can settle your finance agreement early at any time. Contact Novuna directly for a settlement figure. For 0% plans there's no penalty. For interest-bearing plans, you may save on future interest charges.
House of Oak is a credit broker and not a lender. Credit is subject to status and affordability. Written quotations are available on request. Credit is provided by Novuna Personal Finance, a division of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Finance agreements are only applicable to UK residents aged 18 and over.
If you are unhappy with any aspect of your purchase, contact us at info@houseofoak.co.uk or call 01484 865505. For complaints relating to your finance agreement, we will forward these to Novuna. If you are not satisfied with Novuna's response, you may refer the matter to the Financial Ombudsman Service within six months of their final response.
