SIGMA Imaging UK Ltd is a credit broker and is Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance (previously known as Hitachi Finance), a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 704348. Credit is subject to status and affordability. Term & Conditions apply. The register can be accessed through www.fca.org.uk

SIGMA Imaging UK Ltd. Registered in England and Wales. Company No. 4114616

Registered Office: 1 Little Mundells, Welwyn Garden City, Hertfordshire, AL7 1EW

Just add a qualifying items to your basket (lenses and cameras over £500), then in the payments options at the checkout click the ‘yes’ button to apply for finance. This will take you to the Novuna website where your application will be completed, before directing you back to the SIGMA UK site to complete the order.

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

• You must be over 18 years of age.
• You must be a UK resident and have lived in the UK for 12 months or more.
• In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who’s in regular employment. If you are retired and receive a pension, Novuna  may ask for proof of sufficient income.
• Homemakers aren’t excluded from applying using their own names; however the employment details of your spouse/partner will be required in order to process your application.
• You must have a UK bank account capable of accepting Direct Debits.
• You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.

Unfortunately, we are unable to offer online finance to residents of Eire. 

The deposit for all finance transactions is 20%.

Finance is available on all cameras and lenses over £500. It is not available on items under £500.

You will be shown a full breakdown of costs in the checkout on the SIGMA UK website (see below) and when you apply for finance on the Novuna website. This will show your deposit, repayments and total payable amount.

If your basket contains a mixture of items, some with an Interest Free Credit offer on them and some without, you will not be given the option to apply for Interest Free Credit. In this case you would need to place a separate order for the item with the 0% Finance offer. 

The cut off point for finance agreements to be dispatched the same day is 1pm. The order must be completed in its entirety, i.e. the finance agreement complete by the cut-off point. If an application is referred, delaying the order completing, this may mean that your order cannot be shipped until the following day. 

Finance agreements will only be ready for dispatch when the agreement has been completed and any documentation signed.

Please be aware that orders cannot be shipped to an alternate address and will only be dispatched to the billing (finance agreement) address, regardless of whether you choose an alternate delivery address when placing your order. 

If you are buying a pre-order or special order item using finance, then please be aware of the following:

The agreement will only begin once your goods are dispatched and therefore the repayment period will only begin once your item has been shipped. Your first payment will be one month after you receive the goods. 

No, the repayment plan starts one month after the deposit is paid and runs continuously for six payments until the balance is paid.

Your monthly repayments will begin one month after your purchase has been delivered. The six payments will leave your account monthly over a six-month period. The 20% deposit is paid at the point of purchase.

No. There are no arrangement fees or hidden extras.

Finance decisions are typically made within 60 seconds. Novuna’s Underwriting Team  may request some further information from you before making their decision.

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement SIGMA UK will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the 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 finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

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.

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

• Your credit score (please 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

Any finance applications that have not been completed within one hour of the original order time, will be cancelled automatically without notice.

In the case of duplicate orders where both payment methods are finance, the oldest order will automatically be cancelled, without notice.

If, for any reason, you are unable to complete the finance application, please contact us.

Definition of terms:

The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a percentage rate.

APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers.

All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.

In this case the only finance option offered by Novuna Finance on the SIGMA UK website is interest free, so the amount you pay is exactly the same as if you had purchased the item up-front.

Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least six months between applications.

In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address (billing address) of the applicant.

On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;

Phone: 01707 329999

Email: info@sigmauk.com

Address: SIGMA Imaging UK Ltd, 1 Little Mundells, Welwyn Garden City, AL7 1EW

If your complaint relates to your finance agreement:

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.

They can be contacted in the following ways:

• Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
• Telephone: 0300 123 9 123
• E-mail: complaint.info@financial-ombudsman.org.uk

Further details can be found on the Financial Ombudsman Service

website: www.financial-ombudsman.org.uk