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Audio Destination are pleased to offer you a range of Buy Now Pay Later & Interest Bearing finance options on all orders over £200.
Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showroom.
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.
If you choose to use Buy Now Pay Later finance option (6, 10 or 12 months deferred period) your payments would start after the end of the deferred agreement you select (e.g 12 months Buy Now Pay Later) under the terms agreed when applying. If you pay the balance BEFORE the end of agreed deferred term (e.g 12 months) then all you pay is a £29.00 early settlement fee.
Should you decide to not to pay the balance in full before the end of agreed term (e.g 6, 10 or 12 months) then you will pay the agreed balance including interest (APR 16.90%) for a period of months as agreed in your finance application.
If you choose to use an interest bearing scheme (24, 36 or 48 months) then your monthly repayments will begin approximately one month after your purchase has been delivered.
With Buy Now Pay Later there is an early settlement fee of £29.00 to pay if settling before the end of the deferral period, then all interest will be waived. Interest Bearing finance there are no hidden fees or extras for credit.
Credit subject to status and affordability. Terms & Conditions Apply. Audio Destination LTD trading as Audio Destination are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Novuna Personal Finance, a division of Mitsubishi HC Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.
When you buy online from Audio Destination 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.
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.
Here's some of the most commonly asked questions regarding online finance.
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 Audio Destination 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 Novuna. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
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.
In addition to credit scoring, Novuna also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna 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:
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.
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:
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.
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.
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.
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