You will only find out what Novatech are about if you contact them yourself, like any other retailer or manufacturer.
The questions you are asking comes up on a regular basis within the forum, so an archive search might bring some results or solutions.
With regards to finance, then there are a number of possible ideas. Again its a case of discussing this with the provider or agent. Dell do have schemes, but they are not interest free. Argos and John Lewis might do interest free, if you take out one of their credit cards.
"finance is important (Buy now pay in 12 months)". I was going to recommend Chillblast but I don't think that they offer this sort of finance and I don't think that Novatech do either (or microdirect).
If Buy now pay later is essential then you may find yourself restricted to Dell or HP for example. However you may not get such a good deal.