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    Buy Now Pay 12 Months Later

    Key Facts

    Buy now, pay later is an ideal option if you prefer to pay for your new purchase once it has arrived, or if you have other spending commitments in your first year.
    Deposit – No deposit required
    Minimum spend - £2000
    Maximum Credit Value - £ 25,000
    Representative – 14.9% (if not settled in the first 12months)


    For your application to be considered, you’ll need to:

    • Be 18 years +
    • Work at least 16 hours a week, or be retired with an income
    • Be a resident of the United Kingdom
    • Lived in the UK for the last 12 months or more

    How to apply

    Applying for online finance couldn't be easier or more convenient. When you buy online from The Insulated Panel Store you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

    The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

    Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

    Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

    Representative Example:

    Total Purchase Price Deposit Loan Amount 36 monthly payments* Total amount payable Interest rate APR% Representative
    £2,000 £0 £2,000 £68.33 £2774.00 14.9% 14.9%

    Important: Interest is calculated from the start of the agreement, which means interest will accrue during the holiday period.


    Buy now pay later is a flexible credit option that allows you to take a ‘payment holiday’, with no payment required for up to 12 months following the date of the agreement. After 12 months, you can either pay the balance in full or can begin making monthly payments. Settle your agreement within the agreed deferral period and pay just an early settlement fee of £29.00

    If you do not pay the full balance following the initial 12-month payment free period, then the accrued interest will be charged.

    No, there are no hidden costs or arrangement fees, just a £29 early settlement fee of you settle the loan with the deferred period.

    Monthly instalments will start approximately 12 months after date of agreement

    Yes, your credit file will be checked. 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 consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

    To make a complaint, you can give Novuna a call on: 0344 375 5500*

    Monday to Friday*: 8:15am to 7:00pm
    Saturday*: 8:15am to 4:15pm
    Sunday & Bank Holidays: Closed

    You can also email directly at

    You can also write to Novuna at:
    Novuna Personal Finance
    2 Apex View,
    LS11 9BH

    Kingspan Limited is registered in England and Wales No 01037468. We are credit broker and only offer credit products from Novuna Personal Finance. Kingspan Ltd is authorised and regulated by the Financial Conduct Authority FRN 971163. Credit subject to age and status.