You can earn a 15% bonus on your Available Balance from your Artisan Loan account when you use it to purchase products on the Novica.com website. At the Novica checkout, you'll be given the option to 'cash in' your new Bonus Balance, and use it towards your purchase!
Example:
| Your Available Balance: | $250.00 |
| Your 15% Bonus: | $37.50 |
| Your Product Credit at Checkout: | $287.50 |
You can use your Product Credit when you use it for retail product purchases on the Novica.com website. Your 15% Bonus does not apply to gift cards or new loans.
0% Interest for artisans.... are we crazy?! It sounds too good to be true, but this concept is only made possible by our unique ability to cut out the financial middlemen. In addition to dispatching all customer orders, our regional offices across the world can now also serve as disbursement centers for Artisan Loans, providing artisans direct access to the credit they need to grow their businesses.
Also, If we're receiving 0% funds from customers and lenders, we feel we should charge 0% to our participating artisans. Our economic incentive is for each artisan to grow their business and be successful.

PROMOTE THIS LOAN
Wood Carvings
Loan requested: $1,000
Fully funded!
Loan term: 12 months
Interest Rate: 0%
(Interest Free for Artisan)
DEC
1
2009
Novica has greatly improved my standard of living. I have acquired 14 acres of land for cocoa plantation all through Novica. I now have peace of mind to concentrate on my work because I have constant source of income to take care of my family. I am famous in my community for the exposure Novica has given me.
Amanda
Houston
Dan Tambourine
Long Beach, Ca. USA
June
I purchased the wood mask "African Sun" a few years ago, and I still enjoy it as much today as when I first received it. It is a high quality piece of art. The finely polished wood is soft to the touch and the features of the the mask are very serene and pleasing. I would highly recommend Mr. Frimpong's work! :)
Ottawa, ON, Canada
Nana Frimpong, Thank you for the two beautiful thrones that grace our living room. They are magnificent! Thank you also for your dedication to your local community, and for inspiring so many others - there and around the world - to appreciate your beautiful Ashanti traditional arts. Best wishes from Catherine
California
I just received my first NOVICA.com purchase, a 'okofo nightmare' mask. This is one of the coolest things I've ever owned. The mask is beautifully carved and delightfully intimidating. I received it 4 days after placing my order, and have since shown it to everyone that I know. This could possibly be the beginning of a wonderful collection. I'm now truly a believer in the NOVICA.com experience.
Los Angeles