PAY BY FINANCE
Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.
Did you know there are 2 ways to apply?
Either in store or from the comfort of your own home. We appreciate life is busy, so why not let us make it a little easier for you.
To apply in store, simply call in to our branch and one of our experienced sales team will guide you through the application.
To apply at home, just give us a call on 01333 425999 or select 'Apply for finance' option at checkout and complete the application online. In most cases you should receive an immediate decision.
You have 3 options to chose from:
OPTION 1 - Buy Now Pay Later
Buy now pay later with payments deferred for 6, 9 or 12 months
Spread the cost with our buy now pay later finance available online and in-store.
Simple buy now pay later finance options allow you to spread the cost of your purchase over 48 months with an agreed deferral period.
Repayments start 6, 9 or 12 months after signing your finance agreement.
If you settle the outstanding balance before the first repayment is due then we will waive all interest charges and only charge an administration fee of £29.00.
All you need to do is:
- Spend a minimum £200
- Cash Price: £1,000
- Deposit: £100
- Amount of credit: £900
- Interest rate: 24.9% p.a fixed
- Representative: 24.9% APR.
- Total term: 60 months
- 12 month payment holiday followed by 48 monthly payments of £35.03.
- Total amount payable: £1,781.44
- Early settlement fee £29
Important: Interest is calculated from the start of the agreement, which means interest will accrue during the holiday period
Total term of loan agreement 48 months, with the first payment deferred for 6,9 or 12 months
Pay full amount within 12 months
- Total charge for credit £29 (early settlement fee)
- Total amount payable £728
Interest is calculated from the start of the agreement, which means that interest will accrue during the holiday period, although no payments will be taken for 6, 9 or 12 months depending on the option selected.
OPTION 2 - Interest bearing
Up to 48 months Interest Bearing Finance – 19.9% APR representative.
Spread the cost with our interest bearing finance available online and in store. Our simple finance options allow you to spread the cost of your purchase over 24, 36 or 48 months.
All you need to do is:
Spend a minimum £200. We offer 3 repayment periods to help you spread the cost of your purchases. 24, 36 and 48 months interest bearing finance on orders of £200 and above.
- Cash price £699
- Deposit 10%
- Loan amount £629.10
- 19.9% APR representative
- Interest rate 19.9% fixed
- 48 monthly repayments of £18.57
- Total charge for credit £262.49
- Total amount payable £961.49
OPTION 3 - Interest Free
Up to 24 months Interest Free Finance – 0% APR representative
Spread the cost with our interest free finance available online and in store. Our simple finance options allow you to spread the cost of your purchase over 6, 10, 12, 18 or 24 months.
All you need to do is:
Spend a minimum £500 (£560 for online orders) and above. We offer 5 repayment periods to help you spread the cost of your purchases. 6, 10, 12, 18 or 24 months interest free finance on orders of £500 (£560 for online orders) and above.
- Cash price £699
- Deposit 10%
- Loan amount £629.10
- 0% APR representative
- 24 monthly repayments of £26.21
- Total charge for credit £0
- Total amount payable £699
Credit subject to status and affordability. Terms & Conditions Apply. Audio Emotion LTD are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.
How do I choose to pay by Finance?
You can complete your application online by selecting 'Apply for finance' at the checkout or call us on 01333 425999.
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.
When do my repayments start?
For Buy Now Pay Later, your monthly repayments will start 6,9 or 12 months from date of signing, and for Interest Bearing Finance and Interest Free Finance, repayments will begin one month after you sign.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant, and inside the property.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Once my application is approved, what happens next?
When your application is approved, you will be presented with the option to sign your credit agreement digitally. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement we will be notified and you need do nothing more.
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
- Your credit score (note that every finance company will score you differently.
- Adverse credit reference agency information.
- You are considered to be overcommitted.
- You are aged under 18.
- Your existing account performance with other lenders.
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
- Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
- Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
- TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;
Phone: 01333 425999
Address: Audio Emotion Ltd, Unit 2 Banbeath Court, Leven, Fife, KY8 5GY.
If your complaint relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna.
Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
What to do if you can't reach an agreement
If you are not satisfied with Novuna's response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.
They can be contacted in the following ways:
- Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
- Telephone: 0300 123 9 123
- E-mail: firstname.lastname@example.org
Further details can be found on the Financial Ombudsman Service website: www.financial-ombudsman.org.uk