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Buy Now Pay Later Finance
Buy now pay later with payments deferred for up to 12 months. 
Spread the cost with buy now pay later finance available online and in store. This finance option allows you to spread the cost of your purchase over 48 months with an agreed deferral period of 6 or 12 months. 
Your agreement will start after delivery of your goods. At which point your 6 or 12 month deferral period will begin and interest will start accumulating on the balance owing. If the loan amount is voluntarily paid in full before the deferral period ends, interest will be waived but an early settlement fee up to £29 will apply. Unless the balance is cleared before the end of the deferral period, the monthly Direct Debit payments will start. 

All you need to do is: 

  1. Spend a minimum £280 and above 
  2. Place a minimum 10% deposit 
  3. Minimum finance amount after deposit of £250 and above

These 2 simple buy now pay later finance options help you spread the cost of your purchases.

  • 48 months buy now pay later finance, with the first payment deferred for 6 months on orders of and above 
  • 48 months buy now pay later finance, with the first payment deferred for 12 months on orders of and above 

The table below shows you how much the monthly repayments will be based on the total order value.

Order Value

Total Term (Months)

Defer Term (Months)

Deposit (10%)

Monthly Payments

£1,000

48

12

£100

£27.91

£2,000

48

12

£200

£55.83

 

Representative Example

  • Cash Price: £1000
  • Deposit: £100
  • Loan Amount: £900
  • APR representative: 14.9%
  • Interest Rate: 14.9%
  • 48 monthly repayments of: £27.91
  • Total term of loan agreement 12 months: 60 months with the first payment deferred for
  • Total Amount Payable: £1439
  • Early Settlement Fee: £29


No interest is payable on any payments made within the deferral period however will apply from day 1 once the deferral period ends.

Interest Bearing Finance

Up to 48 months 13.9% APR representative interest-bearing finance. 

Spread the cost with interest bearing finance available online and in store. 

This simple finance option allows you to spread the cost of your purchase over 12,24,36,48 months. 

All you need to do is: 

  1. Spend a minimum £560and above. 
  2. Place a 10% deposit 
  3. Minimum finance amount after deposit £500 and above 

These 4 simple interest-bearing finance options help you spread the cost of your purchases. 

  • 12 months interest bearing finance on orders of £500 and above 
  • 24 months interest bearing finance on orders of £500 and above 
  • 36 months interest bearing finance on orders of £500 and above 
  • 48 months interest bearing finance on orders of £500 and above 

The table below shows you how much the monthly repayments will be based on the total order value.

Order Value

Term (Months)

Deposit (10%)

Monthly Payments

£1000

12

£100

£80.41

£1500

24

£150

£64.23

£1750

36

£175

£53.12

£2000

48

£200

£48.36

 

Representative Example

  • Cash Price: £1000

  • Deposit: £100

  • Loan Amount: £900

  • APR representative: 13.9%

  • Interest Rate: 13.9%

  • 48 monthly repayments of: £24.18

  • Total Amount Payable: £1260.70

Credit subject to status and affordability. Terms & Conditions Apply. Fair Deal Music Ltd  trading as Fairdeal Music is a credit broker and is Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Hitachi Personal Finance, a trading style of Hitachi 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