Buy Now Pay Later - 19.9% APR representative
See below for eligibility criteria and Ts&Cs

We can try to help you achieve the set-up of your dreams in a more manageable way, just ask in-store or contact our Telesales team.

Alex, Nottingham Store
14th Year of Service


Buy Now Pay Later - 19.9% APR representative
See below for eligibility criteria and Ts&Cs

We can try to help you achieve the set-up of your dreams in a more manageable way, just ask in-store or contact our Telesales team.

Alex, Nottingham Store
14th Year of Service

Spread the cost of your new system or TV

Via Barclays Partner Finance, you can buy today and pay for your goods later at Richer Sounds, subject to application, financial circumstances and borrowing history, 19.9% APR representative. For purchases over £500 pay the balance in 6 months. If you pay the full balance before the end of 6 months there is no interest to pay whatsoever, just a one-off settlement fee of £29.

You can also take up the option to pay 10 months later on purchases over £1000. We will advertise these promotional periods in-store and on our website when applicable. For purchases over £1000 you can defer the payment for 10 months. Pay the balance in full before the end of the 10 months and there is no interest to pay whatsoever, just a one-off settlement fee of £29.

If you settle part of your loan in the deferral period you won’t pay interest on that part. You can still pay off the loan sooner if you make additional payments.

If you’d rather spread the cost over 36 months, you can set up a loan repayment plan when the payment-free period comes to an end at 19.9% APR representative. 19.9% interest.

Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753). Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London, E14 5HP

6 month representative example:
Cash Price £500, 10% deposit of £50, credit amount £450. Six months after purchase, either settle the amount by paying £479 (credit amount £450 + £29 settlement fee) or start 36 monthly repayments of £16.34. Total amount payable (including deposit) £638.24. 19.9% APR representative. 19.9% Interest.
Representative example
Iteam value (cash price) £500
Deposit £0
Total amount of credit £500
Agreement duration 6 months
Annual rate of interest 19.9% P.A
Representative APR 19.9% APR
6 months after purchase,
either settle the amount
by paying
£529
(credit amount £500
+ £29 settlement fee)
Or 36 monthly repayments of £16.34
Total amount payable £638.24
Interest rate 19.9% APR representative. 19.9% interest.

Or

Start 36 Monthly Repayments of £16.34
Total Amount Payable (inc deposit) £638.24
Interest rate 19.9% APR representative. 19.9% interest.

 

6 month representative example:

Order Value Term (months) Deposit (10%) Credit Amount After 6 Months Settlement Amount Or 36 Monthly Repayments of Total Amount Payable (inc deposit)
£500 6 £50 £450 £479
credit amount £450 + £29 settlement fee)
£16.34 £638.24
6 month representative example:
Cash Price £500, 10% deposit of £50, credit amount £450. Six months after purchase, either settle the amount by paying £479 (credit amount £450 + £29 settlement fee) or start 36 monthly repayments of £16.34. Total amount payable (including deposit) £638.24. 19.9% APR representative. 19.9% Interest.
10 month representative example:
Cash Price £1000, 10% deposit of £100, credit amount £900. Ten months after purchase, either settle the amount by paying £929 (credit amount £900 + £29 settlement fee) or start 36 monthly repayments of £33.00. Total amount payable (including deposit) £1,288.00. 19.9% APR representative. 19.9% Interest.
  • The approval of your application depends on your financial circumstances and borrowing history.
  • If you settle your loan in full in the deferral period you will pay no interest, but there will be a settlement fee as shown in your loan agreement.
  • If you settle part of your loan in the deferral period you won’t pay interest on that part. You can still pay off the loan sooner if you make additional payments.
  • If you do not repay the loan in full in the deferment period, you will then make regular monthly repayments including interest, which is charged for the full loan period, including the ‘buy now, pay later' deferral period.

Getting started

Step 1 - Make a shopping list
Browse our massive range online. Your local store or our Telesales department can help out with any product questions. If the total's over £500 you can apply for Buy Now Pay Later.

Step 2 - Call us today
Get in touch with us, either via the Telesales team on 0333 900 0093 or your local store, and we can set you up and arrange delivery or collection.

Step 3 - Enjoy your new kit
Pay for your new purchase before the end of the payment-free period and there'll be no interest.

Step 4 - Spread the cost
If you'd rather spread the cost even further you can set up a loan repayment plan when the payment-free period comes to an end.

 


Application criteria
Buy Now Pay Later is available via Telesales and your local store

Eligibility criteria.

To apply, you must:

  • Be at least 18 years old.
  • Be in full-time work (16 hours or more a week), retired, or in receipt of disability allowance.
  • Earn at least £6,000 a year.
  • Have been a UK resident for three years or more.
  • Have a mobile phone number.
  • Have an email address.
  • Have access to a laptop, PC or tablet to complete an application over the phone.

  • Have a UK bank account from which direct debits can be taken.
  • Have no outstanding County Court Judgements (CCJs).

Required forms of ID

To apply for the above offer we require a debit or credit card in your name, registered to your address and a 2nd form of proof of address ID which can be any of the documents listed below:

  • Valid full UK driving licence (sorry, provisional licences are not accepted).

  • Council tax notification (which is valid for the current tax year).

  • Bank statement related to the account used for the finance application, which needs to show name and address, be dated within the last one month and be an original, not a photocopy or a printout from the internet.

  • Credit card statement (this must show your name and address, be dated within the last one month and be an original, not a photocopy or a printout from the internet).

  • Water, electricity, gas, dual fuel or landline phone bill (dated within the last three months).

  • Where possible, please bring photographic identification with you.


  To arrange BNPL on purchases to be delivered to your home or business, please call our Telesales team on 0333 900 0093, or your local store.
Please note: items purchased on a finance agreement over the phone must be delivered to the address where the finance application is agreed to.


Richer Sounds Ltd, Richer House, Hankey Place, Gallery Court, London SE1 4BB, registered company number: 1402643. Richer Sounds Limited acts as a credit broker and not the lender. Barclays Partner Finance acts as the lender. Richer Sounds Ltd only offers financial products from Barclays Partner Finance. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP.

To arrange BNPL on purchases to be delivered to your home or business, please call our Telesales team on 0333 900 0093. or your local store. Please note: items purchased on a finance agreement over the phone must be delivered to the address where the finance application is agreed to.

Richer Sounds acts as a credit intermediary and only offers Buy Now Pay Later products from Barclays Partner Finance.

Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP.