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Borrowing more than you can afford or paying late may adversely affect your financial status and ability to obtain credit. Penalties for late or missed payments apply.


*1 Terms and Conditions apply. Finance subject to credit assessment and not guaranteed. Harvey Norman Trading (UK) Limited, registered office: 62a The Parade, Sutton Coldfield, B72 1PD, is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 1013915 for credit booking and is a credit broker and not a lender. Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to those under 18 or over 75 years at the time of applications. Finance provided by humm is a trading style of Humm Group Limited which is authorised and regulated by the FCA as a lender under firm reference number 954478. Borrowing more than you can afford or paying late may adversely impact your financial status and ability to obtain credit. Penalties for late or missed payments apply.

Apply In-store Today

Borrowing more than you can afford or paying late may adversely affect your financial status and ability to obtain credit. Penalties for late or missed payments apply.


*1 Terms and Conditions apply. Finance subject to credit assessment and not guaranteed. Harvey Norman Trading (UK) Limited, registered office: 62a The Parade Sutton Coldfield, B721PA, is authorised and regulated by the Financial Conduct Authority Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to those under 18 or over 80 years at time of application. Finance provided by Creation Consumer Finance Limited which is authorised and regulated by the FCA as a lender under FCA firm reference number 311518, Borrowing more than you can afford or paying late may adversely affect your financial status and ability to obtain credit. Penalties for late or missed payments apply.

How does it work?

It's very simple really!

Once you have chosen your product, simply bring the required documentation (outlined below) to your nearest store where a member of our staff will gladly assist you with your online application.

Minimum spends apply. Once you have been approved and payment terms confirmed you will be required to arrange delivery to your home within 3 working days.

Who can apply?

You are eligible for interest free finance if...

  • You are between 18-80 years of age.

  • You have been a resident of Northern Ireland or the UK for a minimum of 3 years.

  • You have a regular income.

Will I get approved?

Creation is the finance provider and makes the final decision. This is not a decision made by Harvey Norman.

You must have the documents outlined above and you must meet the previously listed terms.

If you have been approved for Credit in Northern Ireland or in the UK in the last 2 years and you have a positive credit history using any other form of credit (credit card, bank loan, mortgage or car loan) your chances of approval will increase.

There is no guarantee of approval and in the unlikely event that you are declined; we can provide you with information and contact details for the decision making authorities. For privacy reasons, Harvey Norman are not made aware of the reason for a finance decline and therefore will be unable to discuss this with you. Creation can advise you further on this matter.

What do I need?

  • An UK bank account that supports Direct Debit payments.

  • Proof of bank details showing your name, sort code and account number (Bank Statement, Cheque Book or Bankers Card).

  • A fixed land line telephone number (Home, Work or Relative).
    Note: Please be aware that a mobile number alone is not sufficient.

  • You have regular income: Full Time / Part Time Employed, Self-Employed, Retired or in receipt of Disability Allowance. If you are a student with Part Time Employment, a minimum of 16 hours per week is required.

  • You have one of the following original forms of Proof of Address, dated within the last 3 months:

    • Current Bank Statement (Must show applicant’s name and address on the statement and MUST be the same bank account used on the Direct Debit section of the application).

    • Credit Card Statement (Must show applicant’s name and address on the statement).

    • Current Utility Bill: Electric / Water / Gas / Council Tax / Fixed Land Line Telephone.


    Note: Unfortunately Mobile Phone bills and/or bills for services such as Satellite / Cable TV are NOT acceptable.

    Note: If you have not lived at your current address for at least 3 years, you will need to bring original proof of your previous address.


  • One of the following official forms of photographic identification:

    • Complete FULL UK Driving Licence.

    • Valid UK Passport.


    Note: Original documents only, no photocopies will be accepted.

  • Fast Application

  • Low Monthly Repayments

  • No Hassle

Important Regulatory Notice

*Terms and conditions apply. 20% deposit is required on all customised orders. Ask in store for details.

**Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to those under 18 or over 80 years at time of application. Minimum purchase of £500 applies to purchases of Home Appliances and TV’s, Furniture and Bedding, a minimum of £250 applies to purchases on Technology. Finance only applies to normal ticketed pricing or as advertised, no further discounts available. Please be aware that certain products will not have immediate delivery due to availability. The finance offers and calculations in this leaflet are only available in Harvey Norman stores in Northern Ireland and the United Kingdom. Credit is provided by Creation Consumer Finance Ltd., 6th Floor Wellington Buildings, 2-4 Wellington St, Belfast, BT1 6HT 6th Floor, Royston House, 24 Upper Queen Street, Belfast, BT1 6FD and are Registered in Northern Ireland No: NI32565 regulated by the Financial Conduct Authority (FCA), in respect of insurance minimum purchase of £500 on Home Appliances, TV’s, Furniture and Bedding products and a minimum of £250 to purchases on Technology