Finance

We understand that a garden building is a significant investment, and different customers prefer different ways to pay. To help make our garden buildings more accessible, we offer a fixed monthly payment finance option across much of our collection.

Finance is optional and available as an alternative to paying the full purchase price upfront. It can be helpful if you would prefer to spread the cost over time, align payments with other plans, or secure your garden building now while managing cash flow.

We’re always happy to explain how our finance options work and help you decide whether they’re right for you. If you’d like to speak to us about the finance options available, call us on 01760 444229.

Fixed Monthly Payments

Spread the cost of your garden building over 3 - 10 years with fixed monthly repayments.

Key information:

• Interest bearing credit 11.9% APR
• Fixed interest rate
• Deposit: 10% – 50%
• Terms of 36, 48, 60, 72, 84, 96, 108 or 120 months
• £1,000 min loan - £50,000 max loan across all terms
• You can make additional payments at any point using the app or by calling Novuna Customer Service.
• No additional charges for early settlement.

Representative Example

Representative example shown for illustration purposes only.

Finance is available on orders over £3,000, subject to a minimum loan amount of £1,000 (excluding deposit) and maximum loan amount £50,000.Credit is subject to status, affordability and lending criteria. Credit may not be suitable for everyone. Please ensure you can afford the repayments before entering into a credit agreement.

Crane Garden Buildings is a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority. FCA Register No. 733932. Registered address: Crane Garden Buildings, Narford Road, Narford, Norfolk, PE32 1JA.

Credit is provided by Mitsubishi HC Capital UK PLC trading as Novuna, subject to status, affordability and lending criteria. Terms and conditions apply.

FAQs

How do I apply for finance?

Applying is simple and our team will guide you through the process.
Once you’ve chosen your garden building, we’ll explain your finance options and help you complete a secure application, which usually takes just a few minutes.

If approved, you’ll receive instructions to review and sign your finance agreement (normally electronically). Once signed and final checks are complete, your order can proceed.

What is the eligibility criteria?

To be considered for finance, applicants must:

• Be aged 18 or over
• Work a minimum of 16 hours per week (employed or self-employed), or retired with a regular income.
• Be a UK resident and have been living in the United Kingdom for at least the past 12 months
• Have a UK bank account

Applications from homemakers are welcome in their own name; however, details of a spouse or partner’s employment and income will be required to support the assessment.

All applications are subject to status, affordability and lending criteria.

Can I request delivery to an address other than my home?

Yes, delivery to a different address may be possible, but certain conditions apply.

You’ll need to provide proof of your current residential address (such as a driving licence or recent bank statement), and the finance application must be completed in person at a Show Centre. Our system does not allow an alternative delivery address for mail order applications, as delivery to your home address forms part of the verification process.

Please speak to our team if you’d like to discuss your circumstances.

Can I make additional payments or settle early?

Yes, you can make additional payments or settle your agreement early. Paying off sooner reduces the total interest you pay.
For Fixed Monthly Finance (11.9% APR), there are no early repayment fees.

For Buy Now, Pay Later, there is a £29 fee if settled during the 12-month holiday period. If settled during the repayment period, there is no £29 fee. Instead, you will pay up to 30 days’ interest from the date you clear the balance, rather than the full remaining interest.

Further details on early settlement are available in the Novuna app, or call Novuna Customer Service for a settlement figure.