Want it now, but don't have enough spare funds to buy it outright? Then finance is an option. Only think about finance if you are comfortable that you can afford the payments.
Who can get finance?
- You need to be over 18
- You need to be resident in the UK and able to prove your address details for at least the last 3 years
- You need to be earning
- You need a realistic credit history - showing you pay loans/cards etc on time and that you haven't messed up your credit with bankruptcy, IVAs, CCJs etc.
Want to find out if you will get credit? Call us or come in and see us and we'll put together an initial application to see if you will qualify. If you do, then you can finalise your selection, complete the credit process and take your new Sound & Lighting Gear away with you.
If I buy with finance, when and how do I pay?
You have to pay the deposit before you can have the goods. This is the same if you are collecting from us or having your new Sound & Lighting Gear sent to you. You will then start paying the agreed monthly payment about 30 days later by direct debit.
How do I apply for finance?
Call us. We can then take you through the easy steps.
We'll help you to finalise exactly what you want and to choose the right finance package for you.
The whole process is clear and available once you have chosen what you want, and can be done via email or you can come in and we'll take you through it.
What finance packages are available?
Yes, you can have zero percent finance on at least some of the Sound & Lighting Gear we sell. Typically, zero percent is available over a shorter period than other packages and usually needs a higher deposit. Other packages include a 'low' interest rate available over a longer period and 'standard' rates over even longer periods and with lower deposits. This means that you pay more in total but that monthly payments and initial deposit are lower.
Whichever package you choose, make sure you plan carefully how you will afford the monthly payments.
What's the best answer for me?
Want to know the best possible deal you can get? Then come and see us or at least talk with us on the phone to make sure you have the right gear selected, the best possible prices and the most effective credit solution for your needs and circumstances
Can I change my mind after I've decided to buy with finance?
Yes you can. In the first 14 days, you can cancel the credit arrangement and then pay the amount you financed without penalties and keep the goods you have bought. If you don't want to keep the goods, then as long as you return them to us in the same condition we sent them to you, you can then not only cancel the finance but also get your deposit refunded.
After 14 days, you have the option to pay off some or all of the amount you owe to reduce the overall interest charge.