Flexible Payment Options to Suit You
At Atmacha Home & Living, we offer flexible ways to spread the cost of your purchase, helping you bring home the pieces you love with payments that suit your budget.
Our available finance and payment partners include Novuna, Klarna, and PayItMonthly.
Please note: Some finance options are available in-store or remotely only and may not be available through online checkout. All finance is subject to status, affordability, and provider criteria. Finance and promotions may not be available in conjunction with discount codes or sale pricing unless otherwise stated.
Option 1: Novuna Finance
Finance available with no impact on your credit file via Soft Search for applications up to £25,000.
At Atmacha Home & Living, we offer two simple ways to spread the cost of your purchase through Novuna.
Interest-Free Finance (Up to 36 Months)
Ideal for customers who want fixed, predictable monthly payments with no interest.
- Spread the cost over 12–36 months with 0% interest
- Minimum 20% deposit required
- Minimum spend: £1,000
- Available on selected full-price items only
- Subject to status and affordability
- Provided by Novuna Personal Finance
Representative Example (12 Months)
- Cash price: £1,000
- Deposit: £200 (20%)
- Amount of credit: £800
- Duration: 12 months
- Monthly repayments: £66.67
- Interest rate: 0% p.a. (fixed)
- Representative APR: 0%
- Total amount payable: £1,000
Buy Now, Pay Later
Ideal for customers who want a 12-month payment free period before moving onto monthly repayments.
- Enjoy your purchase now with a 12-month payment free period
- Option to repay in full within 12 months and pay no interest (£29 early settlement fee applies)
- After the payment free period, spread payments over the remaining term (up to 36 months total)
- Minimum spend: £1,000
- Available on full-price items only
- Provided by Novuna Consumer Finance
Representative Example
- Cash price: £1,000
- Deposit: £200 (20%)
- Amount of credit: £800
- Interest rate: 19.9% p.a. (fixed)
- Representative APR: 19.9%
- Repayments: 12-month payment free period, then 24 monthly payments of £44.38
- Total term: 36 months
- Total amount payable: £1,265.12
Important: Interest accrues from the start of the agreement. If the loan is not repaid in full during the payment free period, accrued interest is payable.
Which Novuna Option Is Right for You?
- Interest-Free Finance: Fixed, predictable monthly payments with no interest
- Buy Now, Pay Later: Greater flexibility with a 12-month payment free period
Important Information
- Finance is available in-store or remotely only (not online)
- Soft Search available to check eligibility without affecting your credit score
- Soft Search available for finance applications up to £25,000
- Minimum deposit: 20%
- Available on selected full-price items only
- Discounts cannot be used in conjunction with finance purchases
If you would like to check your eligibility or discuss which Novuna option may suit you best, please contact our team and we will be happy to help.
Legal & Regulatory Information
Atmacha Home & Living
13–15 Grand Parade, London N4 1LA
We are authorised and regulated by the Financial Conduct Authority.
We act as a credit broker, not a lender.
Credit is subject to status and affordability and is provided by Novuna Consumer Finance / Novuna Personal Finance.
Terms & Conditions apply.
Option 2: Klarna
Shop now and spread the cost with Klarna’s flexible payment options.
Klarna gives you simple, convenient ways to make your Atmacha purchase more manageable, whether you are buying a statement sofa, dining set, or finishing pieces for your home.
- Pay in 3 interest-free instalments
- Pay in 30 days
- Flexible financing options available through Klarna, subject to eligibility
- Available online and at checkout where applicable
Why choose Klarna?
- Quick and convenient checkout experience
- Flexible ways to pay for the pieces you love
- Simple payment options designed to suit different budgets
- Available on eligible purchases
How to use Klarna
- Online checkout: Select Klarna as your payment method
- In-store assistance: Speak to our team for guidance
- Phone support: Call us on 020 3441 9740 or +44 7947 568033
- Web chat support: Contact us through www.atmacha.com
Klarna - flexible payments to help you create your ideal home, your way.
Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply.
Why Choose Finance at Atmacha?
- Spread the cost of larger furniture purchases
- Choose from flexible payment options with trusted providers
- Create your ideal home without paying the full amount upfront
- Get support from our team in-store, remotely, or online where applicable
Need help choosing the right option? Our team will be happy to guide you through the available payment methods and help you find the one that best suits your needs.
