Here at Oswaldtwistle Mills we offer a range of finance solutions so that you can afford the perfect piece for your home and spread the cost effectively. Read on to find out what finance options we have available for you. For more information, contact our friendly sales team on 01254 304061 or [email protected].

Buy now, pay later

No payments due for a defined ‘holiday’ period at the start of the agreement up to 12 months. No interest to be paid if the agreement is settled before the end of the holiday period (early settlement fees of £29 applies). Equal monthly repayments for duration of the agreement after holiday period (including interest calculated at inception of agreement). Interest rate is fixed at 14.9%. A range of payment and deferral terms available on purchases between £500 and £25,000.

Interest-free credit

0% APR. Equal monthly repayments over 12-24 months and no interest to pay. Agreements can be settled at any point, free of charge. A range of payment terms available on purchases between £500 and £25,000.​


Must be 18 or older. Applicants must be in permanent paid employment, or retired receiving a pension or have a partner in permanent paid employment or be self employed. You must be a resident of the UK (or British Crown Dependency if approved by Novuna) for a minimum of 12 months. You must be able to provide acceptable proof of address (except where goods are able to be delivered to their residence) and proof of signature. Make payment by debit card. Be purchasing the goods and/or services for personal not business use.*

Terms & Conditions

*Permanent paid employment defined as occupation where the customer is working more than 16 hours per week; this includes someone who is in receipt of a permanent pension or personal benefit. Finance terms subject to status and eligibility. Please contact a member of staff for more details. A minimum deposit of 20% is required on the total order value of all purchases. You can choose to pay more than this if you wish. A larger deposit will reduce your monthly payments.

Subject to status and affordability. Terms & Conditions Apply. Oswaldtwistle Mills Ltd FRN: 668999 trading as Oswaldtwistle Mills Home & Lifestyle is a credit broker for the purpose of introducing credit provided by the lender Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority. Oswaldtwistle Mills Ltd FRN: 668999 trading as Oswaldtwistle Mills Home & Lifestyle are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply.

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