Are there any arrangement fees or hidden extras for credit?No - there are no arrangement fees or hidden extrasOnce my 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 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 sofa. com 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 Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.Will you 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 disabilityIf 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, Found the one? We offer simple and flexible finance options so you can spread the cost of your dream design and relax in comfort with total peace of mind. Take a look at our guide and discover a payment plan that suits you and your lifestyle. Our simple payment plan allows you to spread the cost of your purchase interest free with monthly installments over 6, 12, 18 or 24 months at 0% APR , Couches on Finance If you’re due for a sofa upgrade but don’t want to shell out thousands of dollars right now, you’ve come to the right place. Here at Abunda, you’ll enjoy simple, hassle-free, no credit check* couch financing on your terms! Enjoy Simple, Hassle-Free, No Credit Check* Couch Financing Quality sofas are expensive - there is no doubt about it. While the best of the best .