020 84452446

Finance

 

We have immediate online finance services provided by Pay4Later and Hitachi Capital including 12/24/36 months at 9.9% APR and Buy Now, Pay 12 Months Later at 0%.

 

KMR Audio Ltd  is registered and licensed with the FCA to offer third party credit products. Our FCA FRN is 736635.

Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. KMR Audio Ltd acts as a credit intermediary and only offers credit products from Pay4Later or Hitachi Capital. 

Hitachi Finance
Pay4Later Logo

Tel: 020 8445 2446

E-mail: sales@kmraudio.com

  • You can apply online (from your Basket) or in store
  • Get an instant decision online with Pay4Later (monthly payments at 9.9%) or Hitachi Capital (Buy Now Pay Later 0% within 12 months and 29.9% APR after 12 months)
  • Finance offering varies per product/ per Basket
  • Credit provided subject to age and status

 

Pay4Later

Consumer credit service is provided by Pay4Later Ltd. Pay4Later authorised and regulated by the Financial Conduct Authority (Interim Permission Number: 0616240). Registered offices are at 33 St Mary Axe, London EC3A 8AG. For more information please refer to www.pay4later.com/consumerfaq or visit www.pay4later.com

Finance is provided through the Pay4Later platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.

Hitachi

 

BUSINESS FINANCING

If you are a business and looking to purchase new equipment as part of a studio upgrade or a full studio installation, we can put you in touch with a number of asset and lease purchase lenders. Please contact us for more details.

All subject to credit underwriting.

 

 

Buy Now Pay Later Finance Example 

Hitachi Personal finance

Finance is available on all products with a minimum total order value of £500. No deposit is required for in store finance or online 9.9% finance options, though online applications  for 12 months deferred 0% finance are subject to a minimum deposit of 10%.

Credit is available to permanent UK residents only.

Buy Now Pay Later Finance Example 

Buy Now Pay Later with payments deferred for up to 12 months

Spread the cost with our buy now pay later finance available online and in store.

“Our simple buy now pay later (BNPL) finance options allow you to spread the cost of your purchase over 48 months, with the first payment deferred for 12 months. Settle your agreement within the agreed period and only pay an early settlement fee of £29.00. No deposit required for phone or in-store applications, though online applications are subject to a 10% minimum deposit.”

All you need to do is:

  1. Spend a minimum £220 and above
  2. Place a minimum 10% deposit
  3. Minimum finance amount after deposit £200 and above

We offer 3 simple finance options to help you spread the cost of your purchases.

  • 48 months buy now pay later finance, with the first payment deferred for 12 months on orders of £220 and above

Representative example:

  • Cash price       £1,000
  • Deposit            £100
  • Loan amount   £900
  • 29.8% APR representative
  • Interest rate     21.37% (fixed)
  • 48 monthly repayments of £38.78
  • Total term of loan agreement  48 months (4 years), with the first payment deferred for 12 months
  • Total charge for credit            £961.44
  • Total amount payable  £1961.44
  • IF SETTLED WITHIN 12 MONTHS, TOTAL PAYABLE WILL BE £900 + £29 settlement fee

For help with your finance please call 020 8445 2446

Credit subject to status and affordability. Terms & Conditions Apply. KMR Audio are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

 

Finance FAQ

How do I choose to pay by Finance?

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showrooms.

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 online 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?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Credit subject to status and affordability. Terms & Conditions Apply. KMR Audio are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Applying for online finance

When you buy online from KMR Audio you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Your questions answered

Here's some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. 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 KMR Audio will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will your 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 company, together with details of all addresses at which you have lived over the last 6 years:

  • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, 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.

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. 

 

Credit subject to status and affordability. Terms & Conditions Apply. KMR Audio are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

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