Buy Now Pay Later

Let us help you spread the cost of your new system or TV

We now offer you the option to buy today and pay for your goods later. For purchases over £500, pay a 10% deposit now and the balance in 6 months. Pay the balance in full before the end of the 6 months and there is no interest to pay whatsoever, just a one-off settlement fee of £29.

We also offer 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, pay the same 10% deposit, but defer the remainder 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

Barclays - the bank who we work with to provide this service - will send you a reminder on your settlement. If you’d rather spread the cost over 36 months, you can set up a repayment plan when the payment-free period comes to an end at 24.9% APR representative.


6 month representative example:
Cash Price £500, 10% deposit of £50, credit amount £450. 6 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.

10 month representative example:
Cash Price £1000, 10% deposit of £100, credit amount £900. 10 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.

Getting started

4 quick and easy steps to Buy Now Pay Later.
  • Make a shopping list

    Browse our massive range online or in-store. Your local store or our Telesales department can help out with any product questions. If the total's over £1000 you can apply for Buy Now Pay Later.

  • Call us or pop in-store

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

  • Enjoy your new kit

    Pay for your new purchase before the end of the payment-free period and there'll be no interest. Don't worry - we'll remind you beforehand on your statement.

  • Spread the cost

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

Buy Now, Pay Later is only available in-store or via our Telesales Department and applications can only be made if you meet the following criteria:
  • You are over 18
  • You have been a UK resident for 3 years
  • You are able to supply a fixed landline telephone number
  • You or your partner are in employment, retired or in receipt of a disability allowance
  • You have a debit or credit card
  • You have a gross household annual income of £10k or more

To apply for the above offer we require a debit or credit card in your name, registered to your address, which will also be used to pay your 10% deposit, 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 1 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 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 3 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.   

To arrange BNPL at your local store, please drop in with the necessary ID, or call ahead of time to arrange, as the paperwork takes approx 20-30 mins to complete.

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