Novuna Personal Finance

Novuna Personal Finance: personal loans in the UK

Novuna Personal Finance is a UK financial services provider that offers personal loans and consumer finance under the Novuna brand. It operates as a trading style of Mitsubishi HC Capital UK PLC, a company authorised and regulated by the Financial Conduct Authority (Financial Services Register no. 704348), with its registered office at Novuna House, Thorpe Road, Staines-upon-Thames, Surrey. The firm presents itself as one of the country's most established financial services providers and states it has been helping customers achieve their goals for over forty years.

Loan range

The site details several finance options, with different amounts and terms:

• Personal loans: between £1,000 and £35,000, with terms of 2 to 7 years.
• Car loans: finance that can be paid out within two days, excluding weekends and bank holidays.
• Home improvement loans: for renovating, extending or improving your home.
• Small loans: amounts from £5,000 to £7,499.
• Other purposes listed: holidays, weddings, bikes, caravans and debt consolidation.

Terms and interest rates

The lender advertises loans with rates from 6.9% APR Representative on £7,500 to £25,000 over 5 years. The published example is for a £7,500 loan over 5 years: fixed interest rate of 6.9%, 6.9% APR Representative, monthly repayment of £147.44 and total repayment of £8,846.40. The company warns that the rate offered may vary due to personal circumstances and loan amount, and that the majority of its customers receive the advertised rates. All loans are subject to status and are not permitted for business use.

Eligibility with no impact on your credit file

Novuna Personal Finance uses a soft search process that lets you see your personalised rate and monthly repayment before you apply, without affecting your credit file or your ability to get approved elsewhere. The eligibility check is done online, is completely paperless and carries no obligation. The company notes that applying directly gives you access to its maximum loan amount of £35,000, higher than what is available through price comparison sites, and that existing customers with a loan can apply for additional finance at the same low rates.

Awards and business volume

The company states it has been voted the UK's Best Personal Loan Provider by YourMoney.com for the last twelve years running and has received the Best Personal Loan Lender award at the Personal Finance Awards. It also holds the Feefo Platinum Trusted Service certification for 2026. According to its data, last year it lent over £3 billion to its customers and has five million customers, with an average satisfaction score of 4.9 out of 5 over the last five years and around 6,000 five-star reviews in the last twelve months.

Retail finance and sports sponsorship

In addition to personal loans, the company offers retail finance for purchases and maintains a blog and information resources section. In terms of public visibility, Novuna is the title partner of the Great Britain and Northern Ireland athletics and para athletics teams.

Customer service

The UK-based Customer Experience team is available 9am to 5pm, Monday to Friday, excluding bank holidays. The lender offers a help centre, FAQs, online account management and its own mobile app for customers.

Location and contact

Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP · Phone: 0344 375 5500